For example, I THINK federal liens, e.g. if you didn't pay your income taxes, are filed in a federal court/database. 

By the way property taxes are a local government tax, not a federal tax. 

@Helena WuNot familiar with those specifically, but looking at the FAQ of the HomeReady is that it is a federally backed product with specific rules to help people in a range of requirements such as income.

ALL owner occupied mortgages are QM which requires the lender to verify your ability to repay (or ATR) per federal law. 

I'm applying for the 2nd with Transportation Federal Credit Union.

These types of loans I have seen done, and I've personally done a few in my chosen market.If you are borrowing from friends/family and plan to pool their money together in an LLC that is not secured, you will need to research state and federal law related to this type of activity as that could be considered a security in your state and/or potentially subjected to SEC regulations associated with a pooled mortgage/debt fund or private equity fund (syndication).

Yes, next time…Thanks Gloria  Back in early 2021, FHFA (the federal gov't entity that currently dictates policy to Fannie and Freddie, which are 'in theory' private sector corporations) capped 2nd homes and investment properties at being 7% of each individual bank's portfolio as a hard cap, with a 52-month lookback.

I know rates are still historically low but I’m also going off a hunch that I think the Federal Reserve will need to cut rates again.

That amount got subtracted out from his K-1 passive activity income of $300,000 leaving him with $148,000 of taxable passive income.In 2018, the top Federal tax bracket fell to 37%.

Did you know that protected classes vary WIDELY from state to state and are not always just the federally protected classes?