Conventional financing.

I cannot qualify for traditional conventional for multiple reasons but the over 200 to 1 debt to income ratio is a primary reason.  

Conventional or DSCR?

9) adding multiple ADUs or adding an ADU to a quad looses F/F conventional financing.

You are correct, that this has long been the conventional figure used to estimate cost for buildable sf in NYC. 

Conventional loans jumped to 12 months seasoning about a year ago.

It’s given me the opportunity to save and prepare for my next upcoming purchase.I’ve gotten the units from $750x2 and $800x2 to a consistent $900. current mortgage is $2500 monthly, refinancing to a conventional and removing mortgage insurance should bring me to $2100. 

Doing a conventional loan for each property is out of the question due to my debt-to-income ratio. 

@Mike Klarman have you had issues with getting a conventional loan under an LLC?

This is based off of the conventional loan limit where you are buying.