You'll be taking the classes for HS credit anyways, so if you can get the classes to count for college credit for free/cheap, there is no reason to not try to do that.

If you take out a mortgage personally and transfer the property to your LLC that you control, you should be exempt.Also, if your loan was conventional; Fannie Mae recognizes the legitimacy of a QC between the mortgage holders and the LLC so long as the LLC is controlled by the borrowers; If the property was owned prior to closing by a limited liability corporation (LLC) that is majority-owned or controlled by the borrower(s), the time it was held by the LLC may be counted towards meeting the borrower’s six-month ownership requirement.

This doesn't count the holding and misc. costs that we paid. 

I strongly advise against fraud in general, in this case it's not even you that would stand to benefit from the fraud.FYI: Once you get your pay raise or switch to consistently working 40 hours per week, that income can be 'counted' right away.

Sometimes the solution is to do 10% or 15% down (to count the other 5% or 10% towards checking the "reserves" checkbox), which does indeed exist for jumbo (at least in California).

With the additional costs to manage the higher turnover, larger multi unit buildings, how does it make sense to pay such a premium for a larger unit count?

(My understanding is that the 4 max mortgages is only counting investment properties, not primary properties, correct?)

Or, even more important, projected IRR (but that's out of scope for this convo).In this case, the Free Cash Flow -- that is, real, actual monthly cash you can reasonably count on having at the end of the year after paying and reserving for everything -- is about $500/m. 

I had a situation last year when a conventional lender didn't want to count the income from my rental because the person on the lease had the same last name as me, not to mention I didn't take a deposit because it was a relative.

You get to immediately count the rents from the other units, which should help your debt ratio.