I am looking in to a SFR brand new construction that offers live and work usage.

Little late on this conversation.

I'm guessing that you wouldn't want to live where some of them are.

Though, you will be paying a bit more per month on the mortgage and you will have to live in the place for at least a year.

I live in orange county, California where there is basically nothing under $1 million.

Someone waiting tables while finishing nursing degree, and had some credit issues, YES, gimmie them, I will happily deal with them, those who give a shat about there lives and are clawing way up.

Michael Check out "Lend to Live" in the bookstore.

You buy the property and you have to live with the existing leases in place.Look at the leases and verify the rents are current.See if you can talk with the tenants to see what problems they have with their unit and what their plans are.

All units were vacant but I've already rented two and I live in one so I have only one more unit to rent I shopped around and I found a mortgage broker who was able to get me a 6.99% rate who took the loan to UWM (united wholesale mortgage).

Many tenants will screen themselves out during this conversation.