You haven't mentioned PITI, liens, or income available.4.

She owes only $18,000 and pays about $1000 a month in PITI.

Actually the lenders title policy is very cheep compared to what I see daily, so you're ahead of the game there.

You receive a W-2 from an investment banking firm - no need for a company there, earned income.You receive a W-2 from the DJ business now and so you would not want to receive wages or earned income and deposit it into an LLC and report that as SE income and be subject to the SE taxes a second time on the same money and you would not want to deposit it into an S-corp and then be forced to pay yourself W-2 earnings and pay payroll taxes (same as SE tax) for a second time on the same money again.The only question left is the side gigs you do and I would put that on your Sched C income and buy yourself a bond insurance policy which is probably pretty cheap.Joe

Also, how does a blanket policy work?

I did some investing in the '80s and then REO departments were willing to deal, like financing the rehab and the puchase what they called "in-house" loans. I wonder if any of you insiders can enlighten me if this is s...

I would suggest that you read as much as possible, and then develope your policies and procedures, then stick with them.

I'm aware of a loan program that would allow for up to 75 LTV on a C/O refi on a fourplex if you have a 720 FICO, 6 months of PITI reserves and can go SIVA (700 FICO for a rate and term + 6 months of reserves to go SISA), but there is alot I need to know to determine qualification.

I currently live in a condo that costs $800/mo for PITI and HOAs.

You need to contact them to find out what her specific policy offers.