Not all lenders require this, but it's safest to send it if you are working against a deadline.If at all possible to obtain the lender's short sale package, you should also have that completed.

Would there need to be a certificate of occupancy issued for the separate unit in order for it to be insured?

If a condo association has too many rentals, as opposed to owner-occupiers, it may be difficult to obtain the financing you desire.  

I am a rehabber in pasco county and am looking for other ways to obtain properties.

Still a newbie, but wanted to obtain my real estate license while I learn more.I work full-time at nights so my ideal schedule is during the day.

You need to take advantage of the long term fixed rates you can get with a secondary market loan when you are beginning as they become harder to obtain as you grow.I am not suggesting the LLC because there is an incredible need for it, especially if you aren't going to have much equity, but rather as part of the process.I have always believed if you don't do things correctly when you are small, you will not do them correctly when you are big.This conversation doesn't really even get to the heart of why you may want an LLC to protect what you may have accumulated in wealth so far in life non-real estate.Thanks,

Besides banks and hard money lenders... are there other ways of obtaining loans?

I purchased it expecting property and rent appreciation as well as recognizing that equity could be obtained via a rehab.  

I like the sound of doing small apartment complexes or tax debt certificates and deed acquisition sold at auction are more up my alley.  

I recently brought a home in Virginia Beach and have been here for 6 months and want to obtain a second property which route would be most beneficial: Looking for a seller fianace/ rent to own type route and then try to get a tenant to get cash flow that way or try to get an REO (which mean getting a second mortgage loan)  and rehab and rent out?