The exact consequences may vary depending on the lender and the specific terms of your loans.

I am working on a few deals in three separate markets where the federal government has selected my client's bid to lease their building and was trying to find my client a lender who would provide 100% Loan to cost for the deal.

Based on that I'd recommend: buying an SFR with as little money down possible (3.5% FHA or low conventional) using the remainder of the money to build a JADU and an ADU (specialized ADU lender for the remaining amount needed to build the units).

The more you show them you know what your doing as a seasoned investor, the better the relationship with your lender will be and what they're willing to do when working with you.  

Lenders will allow up to 75% of the purchase price as long as the property can debt service. 

Does anybody know if my father can prove his income to a lender when I try applying for an FHA loan instead of my income? 

And I am looking to be the borrower but I don't want to get any private friends or family lenders in trouble. 

Hello!!I'm looking to buy a house hack and am currently in the process of running numbers.  Hoping to see if someone is able to let me know how accurate my numbers are? Thank you!Alex LonginidisView report
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Rents greater than the PITI payment and if you can focus on 2-4 units the multiple doors help achieve that goal.On another note keep in mind Mobile/manufactured can be tough to refinance some lenders do not fund on them.

Partner with a local lender.