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@David Rutledge Fannie Mae doesn’t allow this, but Freddie Mac only requires that you occupy the property for some portion of the year to qualify as a second home.

Spray, or a metal device, or is there something new on the market you can suggest ?

Fannie Mae/Freddie Mac/HUD/CMBS are good for larger properties over $1mm in loan size.

For loan amounts over $1mm on stable properties (90% occupied), Fannie Mae, Freddie Mac and HUD may be the best options.

Fannie Mae and Freddie Mac are designed to help people buy homes to live in, not to help finance businesses.

The size of the complex matters because the complex needs to be warrantable to get Fannie Mae/Freddie Mac financing and if there is one owner that owns more than 20% of the complex, it becomes non warrantable and limits your available lenders. 

But having several partners could also cause some challenges too.In the investing world there are 2 main types of loans:  "Conventional, Conforming" and "Portfolio" loans.Conventional, Conforming - these loans are governed by Fannie Mae and Freddie Mac. 

Conventional, Conforming - these loans are governed by Fannie Mae and Freddie Mac.

Need to clarify some details, the only conventional loan that allows 95% on a multiunit is Freddie Mac Home Possible, Freddie is also great since it only require 1 month bank statement instead of 2 months which Fannie requires.