HML or conventional? Pros N Cons....help

[Mike G.]

Hi there here is my situation I wanted to run by any mortgage industry pros and figure out how I can get loans and acquire more multifamily rental properties. I currently have a FHA loan on a 4 plex. Not much equity at this point but it's cash flow positive so far with very little deferred maintenance. I work a W2 job and save white heavily so I have a good down payment to put down on the next multifamily property. But everything I'm reading tells me to try to find a OWC deal or some kind of alternate financing options using little to no money of my own, which I'm down for but how to I incorporate that idea with either conventional financing thru a bank or credit union versus hard money?