With one small exception on VA loans, there is no getting around the due on sale clause. 

Yes I know about the VA loan (no down payment) and VA disability payments, more on that later.  

If he has a $5MM loan in place, what was that used for / is it coming due/ was it short term/ etc.?

FHA loans require living in the home as your primary residence for 1 year after purchase.

Hey @Cameron MarroPersonal Loan or Line of Credit: If you have decent credit, a personal loan or line of credit could give you access to the cash you need for renovations without using your property as collateral.

The lender is pushing you to do this to get an FHA loan.

Hi everyone, new to investing here but I've used the VA loan 3 times now and have had 2 at once so I have a good understanding of how it works.

@Craig Holland Land is often sold with owner financing, in part because buyers have a hard time financing it, and in part because buyers often only need a short time before they can build on the land and refinance out of the seller loan. 

I am looking to see if there are ways to get creative with downpayment on commercial loans.

I did all of my loans with small local banks in my area and was always happy with the rates and service.