I’ve been posting to a bunch of them if you want to search my history.First, it’s not advisable to hold real estate long term in a C Corp.In short...Most people get “turned off” with holding Title in an entity, such as a LLC, because then you need commercial financing because the entity doesn’t qualify for conforming residential loans.

Become familiar with the VA conforming loan limit in your area prior to your initial purchase.

Not if you're inquiring about current loan programs and requirements, and how long they have had those programs and the various loan types they prefer, and whether they keep or sell their conforming paper.   

You need to ask for that product specifically they don't advertise it because it's not a profit center for them,  it helps them conform to requirements in the Community Reinvestment Act. https://www.usbank.com/corpora...

A commercial loans are a different beast, but I believe conforming 1-4 unit loans are not callable based on asset value.

Let me throw in my two cents...It could by 12months because your hard money lender just wants it that way. 6mon “seasoning” is due to the conforming loan “early payoff” penalty.

If they only provided you with a Zoning Analysis of the lot and that shows you can only have 2 units Legally, there is still a good shot this will be permitted to remain as a Non-conforming 4-unit building.I sent you a PM so you can send over the documents you received (Since I didn't see anything attached to your post).

I read that California conforms to the penalty free withdrawal, but does it conform to the rule of spreading tax over 3 years?

The selling realtor mentioned that they had to remove the "kitchen" cabinets to convince the lender that it was a non conforming storage unit. - What sort of risk am I taking by taking on this property?

@Hector AsencioYou likely need to go to a portfolio lender for what you are asking.Banks/credit unions for the most part try to conform to fannie mae/freddie mac guidelines.