Also, I would expect the contractor to also sign on for the loan personally. 

To what extent can the provide value to one's real estate business?

The one residential is moving out, so I could go with an owner-occupied FHA or conventional loan.  

I was originally looking for a 75% loan to value.

Partner #1 funds 100% guarantees loans and handles all the bookkeeping.   

Check With the attorney who provided the quiet tile or the title company that took care of your certificate.

Thank you in advance for any guidance you can provide. 

Explore loan programs with lenient requirements and consult a mortgage broker for guidance.Good luck!

When deciding between investing in properties that generate immediate cash flow versus those with higher appreciation potential, it largely depends on your long-term financial goals and risk tolerance.Cash Flow Properties:Pros: These properties generate consistent rental income, which can be used to cover expenses and potentially provide a steady stream of passive income.

You see some 20 year old student loans for people who are now helping their kids get into college.