@Trevor Aydelott Are you trying to get conventional money? 

People will always need places to live no matter what happens and everything I am seeing from the conventional lending market is that loans will continue to through and there will be work arounds to deal with the issues around appraisals.

If there aren't a lot of years left (I wanna say 35 but don't quote me), then a conventional bank won't give you a normal loan on the property.

I am unable to get a conventional or FHA loan simply because of the fact that my LLC has been established only 9 months ago.

On the flip side, if you can get your properties purchased or refinanced into conventional loans, there is buyer protection there that does not allow the banks to call the thing if you're making timely payments.So essentially, if you have the conventional loans, you should be well-protected to use a more aggressive leverage-heavy strategy.

Etc.Essentially, you're banking on these units being financeable with conventional financing after taking ownership, but don't have the protections in place to ensure that is the case. 

@Valeria T. your acquisition financing does not reflect HML, it reflects conventional financing.

As a small city, it is great - top restaurants, sports, concert venues, conventions and great economy. 

Only conventional loans under government guidelines are required to allow borrowers mortgage extension.For any borrower who heard from from a servicer that they don’t have to pay and they will not be marked as late. — The borrower needs to understand other terminologies used by servicers reporting to credit bureaus, such as “Paid not as agreed” etc.

@Michelle Born In terms of escrow for potential property income being allowed from a Fannie Mae/Freddie Mac standpoint the answer is a hard no if you are using Conventional financing.