The thought is if it saves a big tax bill then it would be worth it to this individual.

At Age 37, with solid income and some cash to work with, would you recommend I go after more individual properties (townhouses, single family homes), or a multi-unit next? 

Also what is the best way to contact these individuals?

By day (and night, often enough), I'm a mortgage and structured finance attorney (secondary market bulk finance and conduit work, not individual properties or mortgages).

The thought is if it saves a big tax bill then it would be worth it to this individual.

And one suggested having a master LLC holding each individual property as an LLC within it.

At first, I thought that I'm inexperienced in commercial loans, so I reach out to 3 individuals that deal with lots of commercial lending, run it by them, and they all confirmed it was very weird and sounded very unethical.

The client site became a toxic work environment where an individual was putting words into my mouth and trying to disparage me to others.

Sure thing Alex, the only problem might be that you cannot own any real estate individually or jointly prior to application on this home possible program.I have yet to ask what if the ownership and the debt are obligationed by a corporation or LLC and if that would count against this "individually or jointly," ownership rule but I'd bet that would be considered ownership as well.

Exceptions can be made to make each of these DTI's be higher or lower but those are the general numbers.To calculate DTI not only do we take all the debts included on an individual's credit but the new house payment as well.