However, as much of the computer market has migrated to mobile devices, and the rest has migrated to India, I've found myself laid off, and looking forward to a change of career (I start college again in a couple months).

Freddie Mac has unveiled some great changes for real estate investors which should make it much easier for all of us to expand our real estate portfolio.  

This is a Fannie Mae/Freddie Mac guideline and a guideline that 99% of the mortgage industry follows. 

@Padric LynchNon QM or "non qualifying mortgage" lending is essentially a lending alternative to Fannie Mae or Freddie Mac. 

Freddie Mac has a small balance loan program for 5+ units.

I bought my first rental property from homesteps.com, which is how Freddie Mac puts its seized homes on the market.

That's easy to tell from their pricing when they initially put something on the market.On the other hand, they have tightened up credit to the point where owner occupants are few and far between.Now they, and Freddy Mac, are eliminating the pool of investors by reducing their max loans from 10 to 4.My prediction: if you're over 50 now, you will never again in your lifetime see the home prices where they were at the peak.

This would lead many to believe that the lender allowing six months is doing something special, when in fact they are just not “overlaying” the conventional guideline.Fannie Mae & Freddie Mac will not allow any lender to do a multifamily loan for less than 25% down payment if it's non-owner occupied.

@Joel GierboliniTechnically speaking, Fannie Mae and Freddie Mac have no minimum loan amount restrictions.   

I believe it is, its actually offered by Freddie Mac!