I have a written office policy manual that explicitly permits my employees and sales agents to carry at their discretion.

It's a bit cumbersome, you have to maintain strict financial separation, and because the loans have to be non-recourse, your LTV is lower.

Check with your local attorney/title company as many times you can void your owner's title policy with a quit claim deed.

If your concern is liability, what I did was get an umbrella insurance policy on the properties I house hacked under my name.

So we could do this loan strictly as a value add play on the self storage units and renting out the metal building.

Here's why I waited:Visa Uncertainty: With a temporary visa like an F1 CPT or even an H1B, there’s always a chance that, due to lottery outcomes or policy changes, the path to a green card could be delayed or not happen at all.

Hello @Michael Dallas,To verify the seller’s information, ensure you request these essential documents:Rent Roll (to confirm rental income and occupancy)Lease Agreements (to review tenant terms)Financial Statements (past 1-2 years, including income and expenses)Property Tax StatementsUtility Bills (if applicable)Maintenance Records and recent CAPEX reportsInsurance Policy DetailsInspection Reports (any recent or previous reports)These will help you confirm the property’s income, expenses, and condition.

They do have strict requirements.

I agree with the no carpet and Reynolds policy.

Request that she confirm one of these options or propose an alternative.Set Clear Policies on Access: If you haven’t already, share the access policy stated in the lease agreement or according to state law.