4 Unit Investment Property Traditional Financing

[Bret Halsey]

Hey all, I've spent a lot of time analyzing properties as potential BRRR deals, however, I've found a 4 family that I'd be happy just putting a down payment on and letting it cashflow right away with no short term refinancing or sale strategy. Obviously in general I'd expect to put 20% down but I'm wondering if there are options that would be less, like 15% - also does it make sense to seek out a local bank/credit union for better terms? Or are most lenders pretty similar with regards to these traditional products?