., a duplex or multifamily), you may qualify for a conventional loan with as little as 3%-5% down.HELOC or Cash-Out Refinance: Use the equity you’ve built in your current property to secure a Home Equity Line of Credit (HELOC) or cash-out refinance.

Screening tenants well and then a security deposit or credit card hold process in place will limit liability.

Before you get too far, I would go talk to every local bank and credit union in the area you want to do this. 

In some cases they cannot pull the money out because it is now (Non-owner occupant) an investment and their credit union or bank may cap them at 70% or 75% MAX LTV.Nothing wrong wiht putting 10% down on a primary but look at the rates on both 5% and 10% usually when you have PMI built in the rates stay the same.

I would add research your state's creditor protection laws and think about keeping an open ended line of credit if you need to deploy capital later

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

If you go through RTR, I would ask to see the employment and rental history of potential tenants so you can weigh in.

Small banks and credit unions focused on farm/agriculture tend to be the most aggressive with land/lot loans.

Take for example, while representing buyers in single family transactions, during the negotiation, I ALWAYS ask the sellers to credit the buyer(s) up to 3% of the asking price toward the buyers costs.

For anything less than that with a traditional bank or credit union, you'd likely be looking at a portfolio product (the bank/CU will hold your loan and not sell it on the secondary market).