So summary is that you should know when the last increase was so you can stay conforming.

During Covid, out of about 230 properties, five tenants moved out because they could not pay the rent.Five evictions in 15 years.The average annual maintenance cost is between $300 and $400, excluding the occasional water heater or air compressor.Below is a map showing where some of our client's properties are located and the green area is where we find the most conforming properties.

That also means you will need to look into commercial financing, i.e. non-residential loans, since legal entities are not eligible for conforming residential loans.

If your middle FICO is 800 you can get closer to 4.25 conforming with 2.75 points or 4.522 APR on a $300,000 loan 30 year fixed- as of yesterday at 4:00 markets are closed for Memorial Day weekend, rates change a couple times a day. this is not a commitment.

@Elijah WichersI read / scanned through most of this thread --- its seemed to get repetitive...If you are using conforming loans, those loans that conform to the Fannie Mae guidelines (such as conventional, FHA, USDA, etc.) , Private Mortgage Insurance is required when LTV is greater than 20%. 

Legal entities, such as a LLC, are not eligible for conforming residential loans. 

@Cynthia Pochatek did they give a reason they would not renew...We use American Modern for non-conforming or high risk properties ...one-off stuff...I think the bottom line is that you can get insurance from any carrier you want for the right price

@Chris KaneTo give you some background, the issue you seem to be running into is legal entities such as a LLC are not eligible for conforming residential loans. 

@Manoucheka Guillaume we routinely sell properties that are legal non conforming here in the Chicago suburbs.

Converting a perfectly functional and useful garage into a non-conforming bedroom cave!