If you learn ahead of time, your learning will be far less expensive unless you pay someone a bunch of money for an education/coaching program before doing some basic learning on your own.

Is loan to cost and not LTV a function of the times or should I refi out if this loan later?

We had a great 30 minute conversation with him happily agreeing to Mentor me, saying he is excited to get me going with his different investing programs and strategies.

What are some of your Training Programs?

One calling it a “certified” broker program, which is meaningless.

If you want to stay in Oxnard, you should really look into low-down-payment loan programs, especially the NACA program (naca.com) and find a way to make a househack here work.

I run my short-term rental business out of my personal house under my LLC, which I drew up a lease between that creates an agreement to pay for utilities, internet and common household products I need to function my business in exchange for the property.

Here in California, you need to pass an online program and you get a certificate.

I believe it is the most underutilized loan program, but I can understand the fears of the unknown.

You may or may not see the option to add a wet bar that could function as a kitchenette, and you can always ask the builder about adding that in, along with a door at the top of the basement stairs.The numbers wouldn't look great on new construction in this area, but you must consider that your maintenance/repair budget would be pretty low for 15 years: no HVAC replacement, roof, etc.