Because my DTI ratio is high I do not qualify for alot of freddie mac and fannie mae type loans.

It is a Fannie Mae and Freddie Mac guideline so all conventional lenders are going to require no more than 2% down.

Since I come from the design side of construction and management, I've been pleased with Evernote.com which is free, accessible anywhere and also allows you to drag and drop docs, spreadsheets and other date from a computer or mobile device.

I believe HARP only applies to those mortgages held my Fannie Mae of Freddie Mac.

This article helped me out before I met with him:http://californiashortsalelawyer.com/2010/04/freddie-mac-article-on-short-payoff-fraud/The bottom line is disclose to all parties, including the bank, that you will be re-marketing and reselling the property for profit.

That's what those Fannie Mae & Freddy Mac guidelines are all about.

Properties 1-10 are easy, as you can utilize either the delayed financing exemption or a standard 1 year seasoning through a traditional Fannie Mae/Freddie Mac lender.

For the last few years, Freddie Mac has had what feel like are "shadow guidelines."

And a good time to lock in now, if you wait until 2017, you might be kicking yourself because Freddie Mac just came out with their projections for rates to be 4.8% by Q1 2017.And if you are an investor, Russell's point is great, and the same one I would make. 

It auto-saves, and the documents are on all of your platforms and devices instantly and all the time.