Here in New England, especially with smaller lots, you can run into a quite a few non-conforming structures, which prevent redeveloping the lot due to lot-size, dimensional requirements, setback requirements, etc.

I admit that I am overly conservative.An offshoot of this, is that in many states, NH among them, the purpose of the funds also controls whether it must conform to residential guidelines. 

Hello thereI am interested in finding about the Escrow Holdback program (for a house in high price conforming loan limit area) .

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. 

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

Hello,I bought my first duplex using a conforming loan bought by Fannie Mae.

Non-conforming mother-in-law suites will get you part way, but not nearly as much.

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.

I have had good luck with a non conforming SFH that has a mother-in-law suite.

They assessed them as "two single family dwellings" and also declared both houses to be non-conforming.