But if you have commercialProperty like a store.

Even then, your application is subject to tight caps on the number of permits available by neighborhood, higher occupancy taxes, etc.

I don't try to time the market.It may not lead to a deal, and there may be nothing but garbage there for your farm areas, but many auctions through the Hud Home Store are restricted to owner-occupants for the first couple of weeks.

My current lender only offers primary residence HELOCs, but is currently not accepting applications (assuming they will be by next summer). 

We screen through an online service with a basic application (including pay stubs, etc.), along with a report that covers criminal, credit, and eviction history.

It’s like grocery stores putting a sign in the bathroom that says all employees must wash their hands.

Further you should have checked the lease and rental application which would include a photo ID.

I own a few multi families and I wouldn’t want to purchase another one right now because you can’t evict anyone now if you can buy one empty that’s a different story because you’ll get 100+ applications for an apartment right now.

I think the short answer is, there are a lot of lenders out there so it's worth shopping around.I'd consider talking to a mortgage broker instead of to a bank directly, as mortgage brokers are aware of multiple loan programs from different institutions, so hopefully one will be able to fit your situation.On your general question about one full time job vs. two part time jobs, as a general rule the more you fit into the "standard box" (look like most other loan applicants), the better.So while I definitely wouldn't say you're out of luck - I think there's a lot of money out there chasing borrowers these days - your options will definitely be more limited the more you stray from the "single full time job you've held for a few years, or at least in the same industry" model. 

New builds will yield nowhere near the 18% return I get on my loaned out money.Dodd Frank is not applicable to B2B loans.