Hi all, I'm new to the forums and open to feedback/advice on building/investing in Western NC.Some background on me, I've Lived-In rehabbed and made decent returns on 8 houses (lost most of it in a old divorce so in the middle of a restart to try to actually retire in the next 10-15 yrs).

To prove that I actually owe my properties, the investor and hard money lender wanted me to send them an image of my titles with my name on it.

But does that actually make it better?

I don't think I can go back and claim those when we moved the property into the LLC and actually put the unit into service.

(Even if it is small).Actually, I completely agree with you.

This was actually my bankers idea once upon a time.

So even if you take it out now as an owner occupant when it's easy to GET one, there's nothing at all stopping you from sitting on it and waiting for rates to go down before you actually USE it.

You can find Fannie Mae’s here: https://servicing-guide.fannie... and Freddie Mac’s : https://guide.freddiemac.com/a...It actually looks like Freddie Mac requires you to have the loan for 12 months prior to requesting transfer, so you might just have to wait out that time period before requesting. 

House hacking is a nice option for someone starting out and that can qualify for FHA, but it does not leave much wiggle room in actual cashflow or equity at the 2 year exit.

I’m actually currently saving funds but I should be ready around March.