I've had tremendous success with HARP 2.0's, especially when they are multi-unit investment properties. Having a stellar credit score of 800 will be extremely helpful. It will really come down to whether Fannie or Freddie own it since each use different qualifying ratios.By ratios I'm referring to Debt-to-Income (DTI) and Combined-Loan-to-Value (CLTV). I know what to look for and can give you an accurate answer as to whether you qualify in a matter of minutes.
I'll be available throughout the weekend if you'd like to discuss your scenario in greater depth. I may be reached directly on either my office phone, (201) 203-2266, or my cell phone, (551) 486-0243. I look forward to helping.