However, i found another lender who will do 15 - 20 -25 percent down but my original lender, who is a friend, says this is a non-conforming loan?  

Personally, I would max out your 10 conforming residential mortgage slots first ... tough to beat 30 year fixed residential mortgage terms.

Currently I am trying to obtain a  conforming mortgage  on the property.

Buy conforming homes in areas with large buyer pools and make the homes you sell better than your competition.

If you do not conform,  you might not be able to collect for damages and could have a judgment awarded against you.  1: Take a lot of pictures 2: Get a detailed list and cost of damages3: Make a copy of all correspondence4: Put a rent roll together5:  Read Georgia Landlord Tenant Handbook (on line)6: Contact an attorney NOW7:  Send the tenant the required letter before it's too late.  

Although I am grandfathered in, there have been mountains of building codes over the years making the property non-conforming in more ways than one. 

There is another thread going round where someone bought a non-conforming property (doesn't meet zoning) and is now having issues getting a permit cleared.

You can have 10 conforming loans at one time.

@Neil Schlimgen I can answer this question will very precise information.With a "conforming, conventional" loan (loans governed by Fannie Mae and Freddie Mac) they will require you to have 2 years of commission and bonus to use that income. 

For New York State see: SolicitationActual ordinances is on the county and city levels, see: Local solicitationTo conform to these laws, persons soliciting must register, wear a certain photo id, and solicit during certain hours, check non solicitation registries.