Using your list I corrected and listed in order of lowest rate to highest without giving rates as that changes daily and depends on mortgage middle FICO/vesting/down payment/property typeFHA Owner Occupied/ Low Down 3.5/ Lower FICO to 520/ 1.75% PMI permanentVA –Owner occupied/ must be Vet zero down no MI/ lower FICO 500Conventional – Owner or Non-Owner sold to Fannie or Freddie rules vary by lenderRefinance – Conventional 80 or 75 % LTV Cash out or 97.5 no cash out::: Traditional --> you need income documentation as in W-2 or IRS taxes with net income to qualify generally 43 % or 51% case by case::: there are some Foreign National programs with more down payment:: you supply Canadian Revenue returns and need to move money into US bank account etcNon-tradition --> not sure what you mean hereNon-QM --> Qualify with 24/ 12/ 1 bank deposits ::: or property cash flows with rents appraiser verifies::: or other twists and turns::: need good FICO 680+ and down payment loan sold to investor or held::: you go to a mortgage broker who has 20 possible sources and they are skilled at packaging your star shaped parameters to fit into their triangular shaped rules.

However, most days I wake up at 6, read 10-15 pages of a book I am reading, do a long stretch (I do package delivery at FedEx) then write a to-do list of things I want to do when I get back from work.

Got the 7 property portfolio from one seller in a package and got them at a great discount.

I have had many people in the past try to present me bulk package deals but try to get me to sign non circumvent agreements before anything, which I would never consider. 

You're talking about 2 units, you don't need an entire property management software package. 

If there is a legitimate reason for the move (job transfer, growing family, need to move closer to aging parents), an underwriter can and will use discretion to allow you to purchase a new primary within the 1 year mark. 

Biggerpockets has a Landlord package available for sale.

The price she quoted then went as high as 14K, depending on what 'package' I purchased. 

You only get all the bonus items with a paperback or Ultimate package purchase, though.

I have just received accepted HUD contract packages for 2 properties each with a different asset manager.