Needs a mortgage banker smart enough to know the rules and work with them.If you move and have a job in the same field and essentially making the same or more in salary, then no there is no 2 yr requirement.

But surprisingly not all lenders (mortgage bankers and underwriters) know how to deal with a multi unit loan.Upen Patel, Mortgage BankerFederal NMLS# 1374243

@Marina Kimak  wanted to add you can also get a very low rate from Investment bankers if you pledge your securities 2 to 1  you can get 2 and 3% money

"- 42,000 is down payment of 40k plus closing cost estimate(based on GFE from banker).

Prudential, C-21, Coldwell Banker, etc. is one of the best ways for a new RE Professional to obtain good, honest and reliable information and knowledge. 

Per my banker (he is the CEO of a local bank) he said upgrading anything with D&B kis a waste of money.

Lenders, Bankers, Mortgage Brokers:How would you advise....I'm doing a version of House Hacking.

Prior to that I was a banker doing commercial bridge and construction lending and am a licensed CPA.Best Regards,Raj Mulchandani CPA

With a personal guarantee the bankers do not care if it goes to losing a bunch each month.

Yes, and I am not an attorney or banker or note buyer but this is what I have heard and studied, as well as having workd for a listing broker when there were thousands of foreclsures all over Georgia.