The side I'll be living in is in need of a total upgrade, which is a 3 bed, 1.75 bath, EIK, huge living room, and access to the third floor and attic.

I think my lender's logic is that he can drop the rate when he has access to more options other than limited in-house products. 

I truly appreciate anyone with some help pointing me towards a class or willing to chat an walk me through the list of things to acquire. 

Both have been acquired with traditional commercial financing (6% @ 25yr amm.). apartment with no moneydown (actually walked way with $40k and <10% money down on the multi-use property.

I wonder if there is a service one could subscribe to or access which shows:- Total value of residential mortgage debt in the US- How that debt is grouped by fixed vs ARM rates- How thar debt cuts in terms of prime vs subprime- How are the monthly payments doing (on time vs late)- Proportion of foreclosures (growing or declining) - How much of the debt is primary residence vs investment - Average loan to value estimate My point is simple.

I know banks are making it hard for investors to acquire loans.

I'm looking to acquire my first deal and I want it to be a House Hack.

Will I be able to acquire bank financing having only been in a 1099 position for less than 6 months?

I was hoping to get in touch with an underwriter today and learn more about their process so I can really expedite what I do in terms of acquiring more property.

There is only alley access to it because it is a row home so nothing big like a boat or car for example could get to it.