This is what Fannie Mae says about transfers after purchase:  https://servicing-guide.fannie...

http://www.freddiemac.com/unif...vs Fannie Mae. 

If          i understand the tax code that you wrote here, just side note the conventional fannie mae doesn't accept DSCR more than 1.0 for primary financing so they can't be used to offset other property or reduce aggregate DSCR, but private loan can do that , if I add my kid to pay rent then dscr would be 3.0 lol but actually  my dscr is already greater than 1.2 in all ex-primaries.i've been living for free utilizing this cap rate formula when applied to primary lol

@Dave Mosher , I live in a house that was purchased through the Fannie Mae Homepath program as a foreclosure.

Hello,Can I use Fannie Mae Streamline / 203k for non-owner occupied rehab loan?

That allows you to have less properties on credit each to split them up to buy more properties.Keep in mind Fannie Mae and Freddie Mac have the 10 properties on credit rule so its better to spread them out.

Here are Fannie Mae's requirements for second homes. https://selling-guide.fanniema...Each lender has their own interpretation of those rules, but here are the most commonly agreed upon, which are usually required for only the first year of the loan:Occupied by the owner for some portion of the yearA one-unit home (not a duplex, triplex, or four-plex)Suitable for year-round useOwned solely by the buyerNot rented full-time or operated under a timeshare arrangementNot operated by a property management company that has control over occupancy

Something about Fannie Mae & Freddie Mac restrictions.I was searching the forums as I always do and came across a post from a few years ago with a similar discussion topic.

Fannie Mae and Freddie Mac do NOT have that type of a rule. 

Is their any exception like a bank time stamp or letter that can get around the 60 day proof of statements needed for Fannie Mae?