When I speak to finance institutions, I am only offered non-conventional loans for investment properties which require high down payments and significantly higher interest rates.

I believe that if the non-signing spouse had an interest in the property burdened by the easement, then the easement interest is not insurable. 

A couple of treatments worked for me.

I.e, you used them for non CapEx/vacancy reasons.

@Ahmed MoustafaThe general Fannie Mae guidelines you mentioned are for non-renovation loans. 

Even if you create a non-CA LLC, if you are managing the business from California, you will likely be deemed to be "doing business" in California and therefore likely subject to CA taxes.

How are people buying multiple non owner occupied properties on fixed rate traditional 30y mortgages? 

All the OOS marketing comapnies work for commissions  they are not doing this as a charity or non profit..

Keep in mind the following: 1) If you don't have enough cash for the entire purchase in the TSP rollover to IRA, your financing options would be limited to a non-recourse loan.

There are plenty surrounding this home but it will take awhile to take the non licensed down.