So, you are in the possession of a very nice, desirable floor, one that someone who knows something about quality vintage flooring would likely want someday.

The most common way around this is to get a DSCR refinance, which requires 3-6 months of seasoning.

Given your circumstances, the following advice and considerations apply:Benefit from low interest rates, no down payment required in most situations, and financing for up to four units when you take advantage of the VA loan.A thorough grasp of your budget should include the purchase price of the property as well as any possible maintenance expenses and other related expenses.

You want a desirable location plus with minimal sloping/grading issues and minimal trees.

Other purchase programs will require the 20-25% of the 200k.

I'm looking for LTR seller / owner finance deals that require $10k or less in down payment and that don't need much rehab (at maximum light rehab).

For LLCs that are required to file and don't -> IRS failure to file/late filing penalties are $70 per member per month.

My brother and I are closing on a home under COA jurisdiction that will require permitting.

Do you any documents and requirements for new clients? 

I've owned and lived at the property since 2021 so I meet those requirements.