Banks want low LTV.Credit Scores - 720 plus does the trick.Govt Rules - Freddy Mac and Fannie May buy up conforming Mortgages.

That said, I am a firm believer that there is value in listed properties, you just need to find it...sometimes it surfaces as long days on market, or non-conforming properties, and functional obsolescence. 

If my solely-owned LLC finances a 4-unit new construction with commercial lending, can I later refinance using a gov-backed conforming loan in my own name?

Depending on whether the zoning use is conforming and/or whether the conversion was done with a permitted/unpermitted/illegally, etc, this can impact the ability of the originator to get the loan to secondary market.

Right now, all all of the duplexes are on FNM conforming loans, so 30 fixed at great interest rates, and so moving is not highly incentivized.

For example, if the house is on a non-conforming lot or the building ordinances have changed and you would not be able to build the same way if it burned down, you should look at the optional coverage "Ordiance & Law".

I provided her with the 3-day notice to conform or quit.

Before you can decide you need some info...Purchased property Aug 2010 for $151k5 bed / 2 bath (2 beds downstairs are non-conforming)Approx 2300 sq ft (1150 up & 1150 down)New roof - 2014  New water heater - 2015Needs new windows (within next 2-3 yrs) ..........$6kNeeds new furnace & a/c (within next 2-3 yrs)....$6kProperty is rented @ $1200/mo but lease ends in 45 days (June 2016) with the ability to increase rent to $1250-1300/mo. 

On that loan amount you will likely need to put enough down to get the loan amount to $417k the conforming jumbo limit.

I owe numerous properties and he is always my go to guy for conforming or conventional loans.