One thing to note when getting conventional mortgages and spouses.There is a 10 limit per person for conventional financing.You can either do 10 conventional in each person's name which would be 20 mortgages for 2 people or if you do the mortgages jointly, will only allow 10 in total.My thoughts are not to own joint assets until you are both married. 

Conventional owner-occupied mortgage rates are above 7% today (source: Mortgage News Daily - Mortgage And Real Estate News).

Hi @Stacie Telles,Finding lenders that offer cash-out refinancing with minimal or no seasoning periods can be challenging, as many conventional lenders require a six-month to one-year seasoning period.

There is also a ton of different financing strategies available other than your conventional mortgages.

“Low money down payment” are you referring to taking out another FHA loan or going conventional? 

Currently, all my finances are done in Canada (Canadian credit score, no LLC, Canadian bank acc, etc.). 4th point, would that be threw conventional financing?

@Andrew Katz, if you will be living in your next house hack, you should investigate a conventional loan instead of hard money.

Quote from @Matt Wan: @Nick BelskyEven if a US citizen, you must still live and work in the US to qualify for a conventional or agency loan. 

The biggest pro of using FHA and conventional financing is you can easily use them to house hack for 3-5% down payment which is an extremely low down payment. 

A conventional mortgage can take weeks to get.