I am currently completing the pre-licensure course for my MLO license, aiming to become a mortgage broker specializing in primarily non-QM/hard money products, along with some conforming loans.

Hard money lenders and private lending institutions/businesses will loan up to 70% of arv including rehab cost. 

Hi,I have a question regarding a seller who is currently in chapter 13 repayment plan.

My first thought for an unfair advantage is owner occupied loan options for a house hack.

This makes a conventional loan hard to fit.

Hey Zeke, There are tons of different loan products so it will be all about finding the one with guidelines that meet the needs of your scenario.

On a separate note, I see that you're a lender, do you have provide loans for properties in the NC or SC area?

There is no guarantee rates will go down significantly.Even if rates drop to 6%, it may potentially not make sense to do a refinance as you would have to repay a bunch of new lender fees / title costs.If the numbers make sense now as an investment buy it.Don't buy an investment assuming something that is out of your control.

If a seller decides to sell their property with possible capital gains due to their equity while still in chapter 13 repayment plan, how does it affect the proceeds?

Thanks in advance Florida is a super lien state, so depending on when the condo was created the entire lien amount could be owed by the buyer or a portion (I believe lower of 1% of the purchase price the person being foreclosed upon paid or 12 months HOA fees, whichever is lower).Definitely will want to look into that.Chris, that 1% of the loan/12 month cap is only for the foreclosing lender if They get it back at the auction.