Hi Grayson, with you mentioning conventional 5% down and FHA 3.5% down, it sounds like you are referring to a primary residence.Private Lending/Hard Money Lending is usually on investment property (We can do primaries but it is highly regulated & varies state to state so most refrain from it.)If you are looking to get into a flip, long term loan, whatever it may be.If you have no experience & a solid fico, rule of thumb is 20% down.Hope that helped :)

I have a personal HELOC on my primary home. 

Because when considering the complexity of transferring funds between LLCs and the desire to streamline real estate operations, establishing a holding company maybe in my primary state of our holdings seems right?

For me, this meant renting out a room in my first primary residence.

With conventional financing on a primary residence, you can put as low as 3.5-5% anyways.LLCs are more for liability protection over tax purposes.

Furthermore, you'll obtain better financing rates/terms with a primary home loan than with an investment mortgage product.To get the ball rolling, connect with an experienced house hacker and investment-focused real estate agent in your market ASAP. 

Now my primary contact, Dave Sherman, is saying that I need to deal with Bruce Wuollet on the matter (as apparently they aren't sharing information with each other). 

Currently, I own a single-family home that serves as my primary residence.

See if you can get a copy of The Millionnaire Real Estate Investor by Keller.The Slight Edge and Atomic Habits too.Awesome board with many smart people having own suggestions and ideas to grow wealth!!

Last point I would like to mention is that I am current renting, and I plan to purchase a primary residence within the next 2-3 years.