Perhaps find a real estate agent that will give you access to their standard state form contract.

But no guarantees on what they'll do.Since you already have 4 financed properties of the 1-4 unit type, the underwriting process becomes more restrictive regarding LTV, cash reserves, and credit really needs to have no blemishes.

Comping properties is an artform and takes lots of practice. many RE agents can't even perform such a task for rehab flippers, even with all their access to MLS data.The key to evaluating your exit value (ARV) is to really know your market, know what it was doing and what it is doing.

If you have access to first time home owner loans you might consider FHA + multifamily as your first purchase.

Step1:Define your goal (home buyer or investor)Step 2: Define if an investor what kind you want to be (wholesaler,wholetail,fix and flip,hold,etc.)Step 3: Define how much funds you have to start out with,credit,access to additional capital etc.Step 4: Do you plan on living off of real estate full time or do you have a job and want to invest a little at a time?

For the most part, who pays the lender and how is not typically restricted.

Is this an entity focused restriction, or an activity focused restriction?

No title policies, no access, cashier's checks on the spot, etc. etc.

I actually posted a question on this topic (before I saw yours) because we have lost a number of potential deals due to the owner-occupant only restrictions for the first 15 days of a listing.

Right now I am focusing on how to access the asset managers.