Also my PM mentioned no pets deterred people from applying too.

If that's the case, the property would be considered an owner occupied property and not an investment property from a value standpoint which means a CAP rate won't apply in this circumstance. 

If you’re residing in one space and renting out the other space, do you have to apply for an investment property loan or will a conventional loan work?

The only program that is remotely similar is one from Performance Equity Partners (PEP).Some of the manufacturers also offer home financing programs (although it applies to only homes they manufacture whereas 21st and PEP does not) and that includes the Revive program from CAVCO and another from Legacy Homes in Texas.

There is a lesson that is given about the Value of Gold which applies to the Value of a Single Family Home, based on Inflation over Time.

That's worth checking so you know what overlays apply.  

We are looking to buy a house and wondering what is better to either go 1) direct to the bank and apply for the mortgage 2) work with a mortgage broker.

Any suggestions for applying for a HELOC when I am responsible for the mortgage (VA loan) and my LLC owns the deed.

I guess I could tell him he needs to apply, which of course would be denied as he doesn't meet the criteria, but then what?

Question:Do pet fees apply to small animals too (gerbils, birds, etc)?