I operate as an agent in a relatively expensive area in CT and this is a common question I get a lot from people as they start the process of buying a house hack.My clients who have had the most success have identified areas they felt comfortable living FIRST and then found a property that fit their budget.  

They are all either on the market and/or in the process of foreclosure.

Titles get transferred between banks and servicers during the foreclosure process, just after, etc. all the time.....no biggie.  

If you can talk to someone there regarding the process of obtaining title, it would help. 

Very little post processing needed when you get the lighting right and I have great photos.

The problem is that I'm running into issues with the refi process due to my debt to income ratio.I have a W2 job that pays well, but I also own a business which had some pretty steep losses in 2015 which flowed through to my personal tax return, and smaller losses in 2016.  

The 203k is a long process, we started looking for properties in April and didn't get an offer accepted until the first week in June.

How can I find out the process and cost of rezoning?

I'm in the process of buying at minimum of 5 right now.

Chris mason-will adding my name to the title be a somewhat simple process and im not sure i understand the rate and term refinance all the way,any way you could elaborate?