Also, I don't have a govt backed mortgage like Fannie Mae or Freddie Mac.  

This week alone, the Federal Housing Administration said it is enacting an "immediate moratorium on foreclosure and eviction for single-family homeowners with FHA-insured mortgages" for the next 60 days.The Federal Housing Finance Agency announced that it is ordering Fannie Mae and Freddie Mac to suspend foreclosures and evictions for "at least 60 days."

Chase vs Freddie Mac - Small Balance Loan (SBL).

Sorry for the slow response, been quite a couple days and I have been trying to reply on my mobile device but it is not easy to reference the comments while typing a response.

If you go the 2-4 unit route you could still put down 3.5% with FHA but Fannie Mae requires a minimum 15% down and Freddie Mac requires 5% down if you meet their income limits

Fannie Mae/Freddie Mac don’t loan on those.

I did the refinance with Freddie Mac, and they required a write-up describing what the proceeds would be used for.

I have a few questions:#1 What is the best wifi device to add to this to program codes for guests to enter?

I have a mac with microsoft work installed. 

I was bored the other day and began looking through Freddie Mac's website and I found this:http://www.freddiemac.com/singlefamily/factsheets/sell/ltv_tltv.htm