FM and FM buy a large portion of all conforming loans, 70% IIRC.

Most of this you probably know but I just want to post for other readers.The problem is because you are requiring loans outside of the Fannie/Freddie conforming markets.

Controlling real estate (commercial, houses and non-conforming) without a legal obligation to close and subject to assignment and delayed settlement is a great, almost magician system of making profits!

If your holding single family homes in your personal name (to get conforming mortgages), an umbrella policy will cover your rental properties, just make sure the agent is aware of them

Figure out how to search by type on county records.If, for some bizarre reason, that answer doesn't work for you, look at your zoning map and drive around the area where fourplexes are allowed.Finally, many municipalities issue certificates of non-conforming legally existing use.  

You see that with needing the commercial loans since legal entites are not eligible for conforming residential loans. 

FCS banks would have the type of loan you're looking for if you can show what the income off the property is, typically the conforming loans are 65% LTV, 15-30yr ammo, prime-ish+2% INT.

@Eamonn McElroy state conformity will be one of the biggest headaches of the TCJA in my opinion

Sometimes the borrower will take the lead in drafting the note so review it to make sure it conforms to the IRA investment regulations.2.

Lenders are in the business of lending, let them do their job.After exhausting the 20 Fannie conforming loans there are there are plenty of brick and mortar local banks and credit union with money to lend.