@Jonathan FraundorThe conventional loan limit for conforming loans is $1,054,500 for a 4-unit in MN. 

@Isaac Hayes I have never heard of a conventional lender doing this...you're looking at single family (1-4 unit) properties...unless you are using a renovation style loan or hard money, I highly doubt any mortgage originator using conforming guidelines would touch this...Down payment is skin in the game...a lender permitting you to retain your investment account without collecting your down payment?...

Make sure to conform with your areas legal requirements, because in Boulder, CO you are not allowed to ask for income information.

If they were warned in writing  an after reinspected in 7 days an nothing changed ,still many wiring violations,can i evict them w 15 day notice for not conforming to NEC code an local building safety/ fire laws.I own the unit beside them also which is in danger if there is fire .last week the microwave smoked or short circuited due to their negligence w overloading.I then sited an gave warnings on th he many violations..I want them out as soon an legally as allowed by law.There is noncompliance.Thanks

Your DTI only applies if you are getting a conforming mortgage on a 1-4 unit property.If you are buying 5+ units, you'll need a commercial mortgage/loan and your DTI usually won't matter. 

Here's what's next: right around thanksgiving, the new conforming loan limits will be published.

The hardball approach would be to have them ante up and conform to the contract at a cost of around $90k if the $1k/M of coverage is accurate.With regards to the extended rental value indemnification of 18mo, I have not been able to get any premium information yet with regards to what the difference between 18 months and 12 months may be. 

Conforming loan limits have gone up, what is the price range you were looking at?

@Eric Johnson I’ve had banks that are willing to do 75% even on jumbo non-conforming loans since we would be over the limit but the hang up for them is the credit and same with a couple portfolio lenders - the DSCR is good ( around 1.2) and cap rate is about 6% but the credit score is the hang up.

But, legally it could start looking like you just are using the LLC to run personal expenses through it to make deductions.A more specific example, you see it all the time in BP where investors transfer Title from their LLC to their personal name, refi with cheaper conforming residential financing, then deed Title back to the LLC.