I want to refinance into conventional loan to get rid of PMI but my loan officer told me their max loan to value is 75%.

i left eXp after 4 years joining REAL in July, both are online with no physical offices unless a team has one, such as myself. eXp did really well for me, in terms of their stock incentives the provided when i first joined in 2017. since then, they have reduced the financial benefits and the main reason why i switched over to REAL which went public on the nasdaq in july. 

You may very well hold investments in your IRA today that would be prohibited by the proposed legislation.The bill would also prohibit IRA owners from investing in (1) non-publicly traded entities in which the IRA owner and related entities (including the IRA itself) own more than a 10% interest or (2) any entity in which the IRA owner is an officer or director, regardless of ownership percentage.

However, the loan officer you talk to often doesn't know all the rules intimately.

I feel that there is a HUGE difference between a "Loan Officer" and an "Application Taker"!

They wanted 7 bedrooms and 3 baths -- five rooms to be used as bedrooms and the other two for an office/study area.

It also has a 1 room plus bathroom contractor type office attached to a garage.This is a pure residential area, but besides doing STR with the ADU, what might some ideas for the garage office?

If they do know about the product there is always something to correct in what they have been told by other loan officers.  

They do debt and equity placement and often have offices outside of the major cities.  

My office is in Belleville.