So lets say you have a 2 million dollar loan thats an ARM (rate resets every year based on fed rate or libor or something) and that amortizes over 20 years.  

I recommend looking at irem.com for ARM certified people.

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This forum explicitly says it's about DIY renovations and construction.  

.- Take a bumped rate relative to that loan program (30YF, 7/1 ARM, etc), and tell yourself a story about how the bumped rate isn't just to let the lender pay for the insurance policy on the back-end, which may have been the option selected by the author you were reading. 

We had a signature loan through Armed Forces Bank at one time and it didn't negatively affect our good credit. 

They are saying they dont accept it because it intersects two guideline issues:- you cannot receive gift funds on non owner transactions (they are taking your family borrowed money as gift or assuming its non arms length money/gift)- secured funds against real estate are fine but the family source is what muddies your waters in the dealSolution:- go to a bank get bank money on your free and clear property then use those funds to buy your upleg (problem solved)

Some however you will learn to be keep at arm’s length.

Mena long term I would lock in a 30 year fixed and not risk the ARM.  

I do come armed with a quote for them, but do not force them to buy from me.