Their loans were considered "business purpose loans" so they didn't have to conform to TRID guidelines (see hyperlink below), Dodd Frank disclosure rules and even licensing requirements.  

On loans #1-10 you are likely receiving "conforming" loans - meaning, loans governed by Fannie Mae and Freddie Mac. 

A "Conforming" loan is a loan governed by Fannie Mae and Freddie Mac.

Reason: I can't get approval for a conforming loan based on taking a commission based position without at least two years of income history.

Many older parts are town when regulations were lax you may find now they are now non conforming.

These non-conforming loans fall into "predatory lending" areas with one party (either one) trying to be "creative".  

Someone above mentioned only 75%, and that is typically the case with conventional/conforming loans for single family investment properties. 

There are some portfolio options that I am aware of with low down payments on MFR if the properties that you are looking at are above conforming limits, and you were able to meet the other qualifications.

You’ll have plenty of time to use hard money when you run out of conforming loan options down the road.

You won't be able to get a conforming Fannie/Freddie insured loan with the fresh llc, so you'll need to go the private/hard money route, or talk with a local credit union or 'portfolio' lender.