@Jason McKee I would recommend finding an advisor though the XYPN or NAPFA find an advisor search.https://www.xyplanningnetwork.com/consumer/find-advisor-new/https://www.napfa.org/find-an-advisor

I hate 30 year mortgages - most consumers focus on the monthly payment exclusively and miss the fact that over the 30 year term you pay as much interest as principal.  

Who's to say the next tenant who resides over the garage will consume less or more than the previous tenant?

Street dealers and community based retailers ended up with considerable relief, but for those who used to sell a few homes to consumers must have a manned physical location with regular hours.

Generally it is the contractors responsibility to submit the permit but ultimately the consumer should verify that the permits have acutally been submitted with their building department. 

I will put down 20%.My credit score is 770, I have no consumer debt (no car loan, student loan, CC ect).My gross W-2 income is 54k per year.

I'm trying to iron down my target for the next 90 days and figure out the best path to start down to building financial freedom.

Is this time consuming?

Is this time consuming?

Don’t go to the big banks, try small local banks in your area.i don't think commercial is more flexible if you have no history, especially if you are buying a single family residence, as even a commercial loan will have to conform to  ability to pay rules for consumers if the property is a SFR.