They say the hard the list is to obtain the better the list is.

My question is for BP newbies or vets that used BP networking and other to obtain their first deal or 2.

Geeez, those questions....You have a certain type of loan, owner occupied residential, as Wayne mentioned, there is no converting that loan it must be paid off.You qualified for that loan under different requirements as a residence, multi family is a commercial loan with different requirements, one being more as a down payment.No, they don't loan money for a down payment to qualify to obtain a commercial loan.Apples and oranges.

We are excited to be starting our journey towards obtaining rental properties as a source of passive income.

If area is zoned for residential, you still may be able to obtain a variance to operate your business, depending on the size/operation of your business and local regs. 

My husband and I have only been investing since July, but since then we have obtained 12 properties and 5 lots.

First of all, if you haven't already, study and thoroughly understand the difference between a tax lien, tax certificate, and tax deed.

How are flippers getting renovation plans, structure engineering drawings quickly to submit to planning and building and safety so they can obtain a permit.The county of LA has a extensive list of requirements to get a permit.  

I'm still in the midst of obtaining all relevant information.

I currently have a certificate of sale, and it could be months until it is motioned in court.