Currently renting and concerned that if I have a few mortgages on my rentals that I won’t be approved for a mortgage for my own house, or be approved for much less.

In all cases, 1) your rent amount will not be absorbed or waived only deferred, if approved; 2) a filing will still occur for balances due and collections will still be notified. 

You're a Realtor.Just go talk to a banker to get a pre-approval. 

I’m told he’s waiting for mortgage approval , although it’s been over 6 weeks and he was pré approved .

The lender is only supposed to approve use of the CR funds for health/safety items that were unknown prior to the start of the project. 

I am looking for a Hard Money Loan based on an investment property (a land that is ready to be built with an approved plan) that I own in New Jersey.The use of money is not construction but for some other purpose.

Usually problems can arise when you are going for townhomes or condos because the VA has to pre-approve the community first.

For example, one tenant wanted to paint a bedroom and living space a different color of which I approved. 

The appraiser came back to the home, verified that we had now converted the property to an SFR, and approved us for closing.From there, it only took about 48 hours for me to close on the home, and it was especially sweet to have the State of Oklahoma pay my 3.5% down payment for me!!

Went to view it the next day.How’d I negotiate: I offered $6k below asking price then and there, ready to sign (had my pre-approval in hand).