I have a $375K  2.5% 15 year loan, paid off in 8 years.

,also, yes I see why you would have to sell a mortgage at a steep discount because there would be a tiny amount of buyers and not much market for it.also banks yes are allowed to loan up to whatever the reserve rate is and they can package multiple mortgages and sell them off. 

I see so many assumable loan which seems like deal, but I am unable to take it as my DTI is high due to primary property etc. 

Does having the capacity to pull a business loan or business credit card benefit strategy in any significant way?

If you need an earnest money loan, Ping me.

Loans involving investors like I describe above get an A grade and get gobbled up on the open market. 

This will ultimately be determined by you as the loan guarantor and the underlying real estate collateral. 

If so you can get a conventional loan after you've been in your home for a year, turn your current home into a rental and then you'll have 2-4 rental properties and a place to lay your head at night. 

You need to find not only the right bank but also the right loan officer who understands the guidelines. 

I always try to phrase it in a way that we are being a solution for them.Allen, I haven't gotten an agency contract yet, but I talked to some others that have.