If you're getting a conventional loan (especially for a primary residence), then yes it's easier as an individual.

Hi Brian,Here's my cheat sheet, note that for a primary residence rate/term refinance, the max LTVs are a lot higher than for cash out:Over 80% LTV will have PMI in some form, but monthly isn't the only option.

450k primary residence home in TN, seeking lender who would do 20-30yr fixed or balloon, non FNMA only due to the client having large cash holdings but no income in 2016 / 2017 due to their large section 179 tax depreciations those yrs Thank YouJames

450k primary residence home in TN, seeking lender who would do 20-30yr fixed or balloon, non FNMA only due to the client having large cash holdings but no income in 2016 / 2017 due to their large section 179 tax depreciations those yrs Thank YouJames

@Ouman You If the property was her primary residence, yes, it will not qualify for 1031 exchange treatment.

I am selling 2 rental units to purchase unimproved land to be used as my future primary residence.

Live in it long enough to qualify as a primary residence  then sell without having to pay capitol gains.

You need to clarify on if that is going to be your personal residence, or you meant your first investment property. 

The FIRPTA Certification requires that if a selling party is a non-resident for purposes of U.S. income taxation, a portion of the sale is withheld.  

I have found in this area they tax foreclose after about 10 years if you offer them above the delinquent amount most are willing due to them not getting anything if it forecloses and not using it as a residence anyway.