Either it's a good deal for you or it's not.Your offer to purchase should include a requirement that they provide all documentation and agree to sign an estoppel certificate (also called estoppel form or agreement).

I'm now interested in renting out my current house and moving into a new SFH or multi-family as owner occupied.When I asked my lender about this he said:"If you buy a new home that is a lower price than your current home, and you have only lived in your current home for about a year, the Underwriter may not allow you to call the new one a primary residence, unless we can document why you are downsizing."

I have undergrad degrees in History and Finance, so I have an unusual skill set.

However, I think its your work history that is having the lenders second guessing themselves.

So I don’t have any credit history yet.

@Joshua McLean like @Daniel Kong said, private money would want to see a history of your experience in real estate and some up front money.

You need to use a service like Smart Move to check their credit, employment and eviction history.

In the beginning, since the LLC has no credit history, they look to your personal credit. 

You have $400k in new debt that you have zero track record of paying on time, so temporarily you're a higher risk.As you establish a new on time payment history over the next few months, your FICO will bump up higher than that drop, call it 75 points.

If you have the credit score, income documents and the right DTI, I don't think you will get a better rate anywhere else.Just protect yourself and put an extension on the contract.