I can assure of four things They will not appreciate it They will expect it next year again It is not scalable if you have a bunch of doors It will get expensive and time consuming We are business owners we are trying to reduce expenses not increase them !

You will need to check the rules for financing for both VA and FHA, typically 1-4 units are considered single family homes and will qualify for consumer mortgages, over 5 units and you get into multi-family and require different financing. 

Do you have other consumer debt?

A hard money loan is a commercial debt not a consumer debt so if the debt is obtained by an llc it is usually not reported.4.

And, no, of course it's not going to work if you are getting a "meh" or bad deal on the sticker price of the property, if they're being liberal with LTV of course they have to be more conservative elsewhere, that SHOULD go without saying.They have a bunch of stuff on their website saying that business brought in through mortgage brokers get preferred treatment relative to consumers calling them directly (guess which sucks up more of any bank's time?)

  * I include a business purpose affidavit to ensure this is not a consumer loan

Hey Paiea,When I first started managing my own properties I used excel coupled with Quickbooks Online and it become very time consuming as I grew.

I charge everyone the same although clearly larger groups consume more water, gas, electric, result in greater wear and tear, and require more effort to turn the property.

I virtually have zero consumer debt and would still be able to maintain my current lifestyle with that big of a pay cut.Another concern I have is how it could potentially affect my attractiveness to lenders.

As far as where to go from here, just consume as much as you can.