@Eric Matuszewski If you are doing owner occupied you may want to keep it under 4 units, you will be able to put less money down into the transaction, but watch out for the PMI if you choose to go with a low money down strategy.

Primary residence transactions generally don't require reserves unless you are purchasing a multifamily property to live in.

Would it be worth it to spend the extra money on a little better of a product? 

@Brian Schmelzlen  Our approach has been to identify the target markets we want to be in, then choose a broker who understands exactly the product type we are looking for and is well-connected in the metro area. 

Two are in Indiana and one is in Fort Morgan, ColoradoMy last transaction with them was about 14 months ago.

You will have to get the property appraised at the time of distribution to determine it's value and the amount of distribution will be taxable event unless you are taking distribution from Roth and have met the requirements. 2) Non-recourse lending means that the borrower does not provide personal guarantee for the loan, the underlying asset is the only security for the loan.3) You can contribute into an IRA independently of your 401k contributions, assuming you are eligible based on your income.4) If you set up truly self-directed Solo 401k plan you can invest into virtually anything except collectibles and any transactions involving disqualified person.

If you follow all the rules you will avoid any gain on the property you sold, remain invested in productive real estate, and receive the whatever tax benefits remain in owning a house after any tax reform is completed.This would entail many assumptions and an after tax cash flow analysis but I think the best and worse case scenarios would give you some comfort in making a decision. 

Did I choose the right Loan product ? 

Forward Commitments: Transacting In A Rising Interest Rate EnvironmentReal estate professionals are always curious about the direction interest rates are headed.

Any clue on why they see the two transactions differently enough to change the LTV?