This issue arose because the State of FL did us no favors with their "Pandemic Protocols" which changed both their processes and the length of time it would took them to process.

I would ask a lender: will they provide financing for an investment property, how much, what's the interest rate, loan length, minimum down payment required).

I would have to look back on the terms of the note as Georgia has specific laws on min terms and length.  

Estimated length of stay?

It might help to consider bringing in a partner with age/length of time in credit report to help establish credit worthiness with a lender to get a better rate with a lender.

I will then add length of residence to 5 yrs plus.

Here is Example 1:  Fair Market Value $229,000 Discount (%,$) 0% $- Purchase Price (Max Offer Price) $229,000 Percent Down 15% Down Payment Amount $34,350 Amount Financed $194,650 Interest Rate 4.600% Costs of Repairs (Make Ready) $2,500 Length of Mortgage (Years) 30 Payment Monthly Annual Monthly Mortgage Payment $997.86 $11,974.35 Rental Income Monthly Annual Unit A $1,500.00 $18,000.00 Unit B $1,500.00 $18,000.00 Gross Rental Income $3,000.00 $36,000.00 Vacancy Rate 10% Net Rental Income $2,700.00 $32,400.00 Expenses Monthly Annual Property Management Fees $270.00 $3,240.00 Leasing Costs Maintenance Reserve $405.00 $4,860.00 Utilities $58.33 $700 PropertyTaxes $725.17 $8,702.00 Insurance $100.00 $1,200.00 Other (Lawn Care, Trash, snow plow, etc) $- Total Expenses $1,558.50 $18,702.00 Net Operating Income $1,141.50 $13,698.00 Mortgage Payment $997.86 $11,974.35 Total Cash In (Downpayment + Repairs) $36,850.00 Net Cash Flow $143.64 $1,723.65 Investment Analysis Appreciation Rate (20 YR AVG = 4.4%) 4.4% Rent Appreciation (20 YR AVG = 3.1%) 3.1% Cost to Sell Property 7.0% Cap Rate (9% + good) 6.0% Rent to Value Ratio (1% + good) 1.3% Cash on Cash w/ Make Ready Costs (10-15% good) 4.7%

With an executed master lease you acquire control of the property for a given length of time, but you do not acquire ownership.  

Clearly you have the ability to understand and dissect different issues on both macro and micro levels.Im curious: If someone starts with you and needs to build everything from the ground up, what would that estimated length of time be?

@Jean B.In my layman's opinion, I'd get separate policies.My idea of testing for an arm's length transaction is to try to work it out if two strangers were doing the deal.