https://myamcap.com/new-95-loan-to-value-ltv-in-fannie-mae-2....Good luck

I know a lot of people are afraid of the "due on sale" clause when transferring property to an LLC, but if your loan is from Fannie Mae or Freddie Mac you're able to transfer without fear of the "due on sale" clause. 

some states require that you pay the loan in full prior to the auction if you want to keep the house. https://www.nolo.com/legal-encyclopedia/summary-alabamas-for...Reinstating the Loan"Even though Alabamalaw doesn't provide a statutory right to reinstate the loan before the sale, many mortgages, like the uniform Fannie Mae/Freddie Mac mortgage, allow the borrower to complete a reinstatement.Check your loan documents to determine if you get a reinstatement right and, if so, the deadline to complete one.

Fannie Mae just approved allowing lenders to count potential LTR rent on ADUs, for instance.They still don't like MTRs or STRs/Airbnb.

I actually just closed on duplex in Charlotte with the 5% Fannie Mae conventional loan.

I'm not sure, that would be a construction to permanent loan, not under Fannie Mae guidelines- but they do all types of specialty product loans, so they may have a 'similar' product.

Ashton, Here is what I will do,I will purchase the property at $700k to $710k (or shift the closing cost to seller) with new Fannie Mae product with 5% down or ~$36k (pull from HELOC) - owner occupancy for a year.

https://themortgagereports.com/107690/fannie-mae-introduces-...Lowered down payment requirements for multifamily homesIn a significant policy change, Fannie Mae has announced that, starting from the weekend after November 18, 2023, it will accept 5% down payments for owner-occupied 2-, 3-, and 4-unit homes.

Yep, I'm aware about the Fannie Mae change last November!

Greetings BPI came across a Fannie Mae REO just by chance.