However, we kept looking and eventually she came across a builder who is building new duplexes at a better price for me. we continue to work with the loan servicer who pre-approved me for the VA loan and after filling out some pretty simple paperwork the loan is all lined up.I'm also lucky because the realtor I worked for works for an agency who also has a property management division.

Controlling properties that are not legally yours does have some unique advantages. 

I almost feel that appraisals for 2-4 units are something that always will be trouble cause its so unique.

., what a unique opportunity!  

There are ways around that when it happens - basically compare some apartments that you are familiar with, against the county data, and find criteria that is unique to those properties that you can use to find all of them.

I have an 85% loan to value on it and can use all the equity up to 85% of its appraised value with a Key Bank.One would say that’s crazy why pay all that interest, well there is a unique method I use to pay off my mortgage my simply deposit all my pay into the HELOC pushing the principle down on a daily basis.

Do they have their own set of unique challenges, sure.

Knowing lenders can make their monies in origination fees, service fees and interest, having several properties in the portfolio may be attractive to lenders who can offer unique financing packages.

I am wondering if my current situation is unique or common?

@Nicholas Krausshttps://www.state.nj.us/dca/divisions/codes/publications/pdf_lti/lease.pdfIf I’m reading this right the answer is yes.