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Currently in the process of getting my business visa approved to make the move south (from Canada).

Most non-qm loan products will never have a 95% LTV due to the inherent risks associated with these type of loans not being traditionally backed by fannie or freddie (investment banks).

There are difference between creators and hosts because we are selling different products.

You're running a business and when you proactively do so, your tenants will know that you're holding up your end of the lease - and if they don't, they don't stay.Hope this helps.  

My only reply here is to say to simply focus on the business objectives.

Which is a tax when you do an active business in your IRA but it is essentially the same thing. 

Are the business on there trusted? 

I would lean more MTR or LTR regardless of product type.

You’ll need to treat it like a business—handling tenant management, accounting, legal compliance, property maintenance, and more.That said, when done correctly, it’s a powerful tool for building wealth!