http://www.jacklingo.com/agents/molly-bayard@Chris Lauer

If you are seeking a conventional loan, Fannie Mae has guidelines against lending to corporations.

It should be no surprise that it's risk-based pricing -- back before Fannie Mae was created by FDR as part of the New Deal, insurance companies dominated the mortgage industry, starting in the Gilded Age.

We are trying to get creative and along with utilizing the MLS, we call craigslist landlords every day and see about selling, track foreclosed properties through HUD and Fannie Mae etc. and also have done periodic door knocking to see if people who's properties seem distressed would consider selling.

Im wondering if getting a primary residence first would make more sense since I currently have no debt and from my understanding investment properties financing typically take into account the income of the asset versus my personal income to qualify me for the loan versus fannie mae and freddic mac( conventional loans) which would consider the debt of the investment property (DTI) in considering the whole picture?

@Mollie Hess thank you so much for the advice!

I mentioned the Verification of Employment (VOE) program by Fannie Mae/Freddie Mac which allows those who don't have a W-2 go through the paperwork of getting a conventional loan.

Fannie Mae also has a renovation loan. 

That "normal, average" person will likely be receiving a "normal, average" loan - like a Fannie Mae or Freddie Mac type of loan (I'll even extend this to VA and FHA too). 

What lenders consider this as an ADU and not separate units for fannie mae guidelines.