On the other extreme, however, there are also community members who lament having to go the commercial route because their personal finances have become far too complicated for Fannie Mae (& her strict boxes and "if, then" algorithms) to understand or make sense of.

Lets imagine a scenario...10 x SFH average value $100k20% - 25% downTotal property portfolio value = $1 millionTotal Loan balance = $770kAll on conforming Fannie Mae Loans including the 5 - 10 programBut...Next I see ten $500k properties I would like to buy but all my loans are used up.

The whole trick with conventional loans is that they have to follow fannie mae or freddie mac guidelines so they can be sold if desired.Now if you weren't doing a conventional loan and just went to a local bank that would do it as a portfolio loan, they would be much more likely to waive the seasoning of the funds - especially if you could get your dad to co-sign on the loan.That would be the best way to do it.

She then was able to immediately take out a cash out refinance loan through Fannie Mae for 75% LTV.

I know a mortgage normally would not fit under the 'creative financing' category, but this is a special category, so I thought I would give it a try here. My wife and I bought a property two months ago planning on fli...

The alternative would be a Fannie Mae renovation loan (HomeStyle). 

Originally posted by @Molly Anderson:We are a scrappy startup development duo, looking for a good cpa/accountant to help us tighten our ship.

@David MorganThere are a number of solutions and avenues for you to take, but Fannie Mae/Freddie Mac isn't one of them. 

Let me give you the scenario: WE WOULD BE APPLYING FOR A FANNIE MAE HOMESTYLE LOAN, THE 2 PARNTERS WOULD BE COMPLETELY RESPONSIBLE FOR PAYING FOR THE DOWNPAYMENTTHEY WILL BE PAYING THE INTEREST ON THE LOAN EVERY MONTH UNTIL THE PROPERTY IS SOLDEVERYTHING WILL BE PLACED IN MY NAME (LOAN, HOME, ETC), They have offered me 10% of the profits, with them taking 45% each on this deal since they are placing the original downpayment.

No molly codling.