First, private money, then a regular loan to an LLC How did you add value to the deal?

Although it cant be a corporation, you can take advantage of the provision even if you, yourself, are not the first-time homebuyer, since the first-time homebuyer can be the IRA owner, his or her spouse, or any of their children, grandchildren or ancestors.or are you asking this regarding the FHA loan? 

Oh nice, sounds like you got a good portfolio loan from a local bank?

One option, depending on how many properties you have, is to do a cash out refi into a single umbrella loan.

Very few lenders do non-warrantable condo loans, but that doesn't mean that financing is not available.

So any advice for an owner occupied loan with little money down that preferably gives me a little room to do some repairs with the money?

Points/Interest and loan terms2.

Originally she was looking for a company that would be able to meet her needs initially where she puts up the money to lend as well as brings in the borrower and uses said company as the middle man to structure the loan.

Will the owner carry the loan for longer?

It is zoned as a single family and it was previously under contract before it fell through because the appraisal did not go through for a conventIonal loan since it is split up as a duplex.