@Dominika MI have a mixture of different types of tenants:Families: 3Single-moms: 3Couples without children: 4Not sure what they want exactly, but I do know one of my family tenants want to buy their own home someday, yet just bought a new SUV this past year.

We got started doing a mixture of both.

or can you combine a mixture of both (conventional loan with hard money rehab cost)From what I've read most HML want 20-25% of your cash in the game like a conventional investment loan, Is this correct in my understanding?

I purchased my first duplex with a mixture of owner and bank financing, puting $12k down on a $194k duplex close to OSU campus in Columbus.

I initially wanted to flip a home but found that the homes I was looking at would require 15k to 20k down and another 40k to rehab, so I've turned to a kind of mixture of that idea.

Or maybe it's because the homes are located in mixture of middle income, a few upper income, and some are straight ghetto.

You have come to the right place to learn about real estate investing, as there are many successful investors here, as well as a great mixture of new and veteran investors.

We have used up our VA but now use a mixture of conventional and 5% down.We buy distressed properties foreclosures and shortsales.

I was told it was a mixture of shale and limestone. 

North of Sacramento you should be able to find duplexes for around $100k in the small towns surrounding Chico: Oroville, Orland, Corning.