------------------------------------------------------------------------------------------------Originally posted by @Jon Holdman:Provided both husband and wife can qualify separately, 10 conforming loans each is possible.

I'm more conformable with buy and hold as that is what I have done / my parents have done.  

A total rent of $1600 p/m combined with an asking price of $168,000 brings you as close to the 1% rule as you currently going to get in Stockton a (somewhat) conforming property!

We needed to get a non-conforming loan to purchase the upstairs unit. 

I would stay away from conforming single family homes. 

I am in the process of conforming it to the Attached ADU regulations.

The conforming loan limit in LA county is $822k, so you can get a normal Fannie/Freddie loan instead of a Jumbo loan. 

Typically, cities also have non-conforming uses which means it could be allowed in a single family zoned district due to the rules changed after the duplex was established.  

There's no way I could possibly identify that many properties in 45 days.Could I refinance the property and pull out 80% of the money and invest it at my leisure, then sell it and use the other 20% to conform to the 45/180 day rules?

We do market to agents to whom we've sold homes before, and those who've agreed to be on our mailing list.When we do get calls on the signs, I think I'd rather work around the buyers schedule to make them feel comfortable, rather than trying to make them conform to yours.