Jason the big banks are just selling off the paper and that's where they make the money.Since the last real estate crash when paper was sold to Wall Street and loans defaulted there have been "buy back" provisions implemented on all loans that are sold off.This is why large banks do not want to sell off non-conforming paper and just vanilla type stuff.

Each of those mortgage properties should be in single name only, not joint name.Then go to a brick & mortar bank or credit union and borrow mortgages that are non-conforming portfolio, which has no number limit.

Because it cannot be sold as a conforming loan on the secondary market, and all profit to the lender must come from your pockets, the loan will be characterized by some combination of ARM only, higher rate, lower LTV, and higher points/fees.

However, it could be something as simple as he doesn't make as much commission on non-conforming loans vs. conventional.

Is it a legal non-conforming use?

Mostly I needed conformation that my math was correct, which sadly it appears to be.

Non conforming suites are only investigated based on complaints from what I understand (in Edmonton).

@Chuck Rhodus to receive a "conventional, conforming" loan (meaning a Fannie Mae or Freddie Mac loan) you will need to close in your name. 

A good clean car conforming to the minimum expectation standards for r.e. agents in your area, seems to be the theme, and is the best advice anyone has given.

There is still high demand for the type, configuration and price range we target.Available Conforming Rental Units by Month - There has been steady decline in available rental units over time.