Hi pp1865. I'm only going to address your item #2. Do I understand you correctly, that if you have a single loan collateralized by 10 individual single family homes, you are reporting this as 1 unit? If this is so, you may want to take a look at 1003.4(a)(9)-2 that provides instructions on how to handle a loan with "Multiple properties with more than one property taken as security." This sections states, in the last sentence, all those reporting items that are based on all collateral related to the covered loan, not just the one property identified for the address/county etc information. The number of units instructions are found in 1003.4(a)(31) which references back to 1003.1(a)(9)-2. If you have 10 single family homes all collateralizing one single loan, you have 10 units.
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