Mortgage rates are nowhere near 4% due to FED rates, treasuries, and MBS currently so unless this is an "Angel Investor" it's not possible to be that low.

I’m looking for a San Diego based mortgage broker who has experience with programs for adding additional units to single family home lots, specifically the Fannie HomeStyle Reno and Freddie ChoiceReno programs, along with FHA 203k.

They can set up the LLC(s), review the mortgages (if any) on your current properties, and quitclaim them to the new entity.Yes, you can do this yourself, but my attorney did this for me years back, which cost a few hundred dollars.

It was a great project that I came up with but he wanted to be a part of it.I was going to take out a mortgage to buy these properties, but with him we were able to get them all cash without any mortgage. 

This has caused me to have trouble with getting approved for loans/mortgages due to my work gap.

I'm exploring financing options such as FHA loans and jumping homes to house hack, conventional financing through a mortgage, and hard/private money lending.Upon graduation I should have about $110K in cash to invest.

It also decreases your overall payment on the mortgage since you have another unit(s) helping with the monthly PITI payment.You can also take out a Heloc or Heloan that will keep that first rate of 2.25% in place.

How do you navigate the complex world of property, mortgages, and market trends?

Luckly our other rental cash flows enough to pay for this mortgage.

My husband and I are meeting with a mortgage broker this coming week, What are the top questions week should be asking?