What are some questions to ask lender in order to get the best loan?

Is that where hard money or private loans would come in?

Here are some of my thoughts:Use a construction loan, which would cover all the renovation costs -If yes, which loan would be suitable?

Good luck finding your first commercial loan that does not report on your social security number (ie: your name). 

Just wanted to get a grasp of what criteria Hard Money Lenders look at when qualifying someone for a loan.

I bought it in 2021 with a conventional loan 20% down.

I sold this property on a lease option/contract for deed conversion and refinanced the house out of my hard money loan.

We can get a second home without putting anything down (VA loan), move into the school district we want and a much nicer home for our growing family:Current home (want to rent this out):One of the largest lots in the area 1/100 lots in an area with 1000's of properties that has navigable water which is our water, at 2.75%, 280k remaining $1650/month, rents $3000 mom will be lending 25k over 5 years at $500/mo payments, and we will use a property manager $300/mo = rental take home of $550/mo incomenew home (hypothetical estimates):$550k @ 7%, paying ~$3300/moWe will have a period of 9 months starting Dec 2024 where we would be at about -$100 where our older daughter goes to pre-k for $1150/mo and infant is in daycare for $1650/mo.

I would also seek a lender who can explain the range of loan programs available to you.

If I can turn my current home into a LLC what are the pros and cons, and can i use a conventional loan again since I'm no longer the primary.