I am worried that it will me hard to process the loan.

Start a short roster of pre-vetted banks to immediately work with if you hit a “uhm-yah-about that...”It is more often than you think that when your loan actually processes thus actually vetted that all the sudden its oh- yah - actually - uhm - can’t do “x” or “y” or whatever you were building your plan around.

I understand that these people don't want to waste their time over "hypothetical" questions like "if I were to buy at X and do Y, how much can you finance for Z..." but I do feel it's important for me to understand the full process and get a clear picture of what to expect a few months from now when I try to refinance one of these properties.Any suggestions/advice would be greatly appreciated.

I am in the process of purchasing an REO property but have now had the closing date moved twice by the bank because of problems with the title.

What is the process to get building permits for the 24 units?

If your asking these questions here, find a friend who can help so you don't get fleeced.Drawback is usually the loan is more expensive/higher rate, they may not report to credit agencies (won't improve your credit, but this can keep your documented DTI ratio lower which may be good) and if they do use a servicer, somebody (you, unless you negotiate otherwise) will pay a service fee to have your money processed every month.

Especially as your going thru the process of getting your license.

Its hard to rush or speed up the process during the rough in stage.

More cash out of pocket, more eggs in one basket scenario and slower process to buy a second property, eventually (this includes moving out of my coop with which I have a love/hate relationship)Sell my current coop, buy a duplex with less TLC needed in my preferred neighborhood, move into the property for an unlimited amount of years, qualify for an FHA loan and use the extra cash to continue saving to purchase a second property in 1 year or 2?

Bare minimum you will need to begin the eviction process on the daughter.