This is highly specific to the loan product and the lender.

Invest the $550,000 in a mutual fund such as S&P 500 or VTSAX with a 10-year history average annual return of 12% 2.

It seems like 20% is a pretty good average.

Looking back, I probably could've added average sale price in the area.

. ✨ looking for ideas on to  how to acquire an owner-occupied property  with 5% down by using a mortgage loan product to purchase , improve and  avoid mortgage insurance based on projected value?

.: There IS going to be a big impact on Real Estate, especially for Single Family and small Multi-Family that is Owner Occupied.The SALT Deductions are slated to expire at the end of 2025.Trump has already said that he will allow it to Expire:https://about.bgov.com/insights/elections/2025-tax-policy-cr...This is NOT a small change.The Standard Deduction gets reduced by about 40%.Then you get to deduct the SALT (State and Local Tax) that you paid PLUS up to $1 Million in Interest from your Mortgage against your Federal Tax Return.The only limiting factor will be AMT (Alternative Minimum Tax).In 2017 when this Cap was put into place, it made sense.However, now that the average Home sells for about Double what it was back in 2017, many normal Americans can benefit from the Expiration.I'm hoping that the Trump Administration does not extend the Cap.Too many people will love him more if he allows it to Expire!

The product is called a Bridge Loan. 

Construction of homes began in early 2022.In my experience, my commercial sites move along a much faster timeline, but this one was exciting to finally see a completed product. 

In my opinion, it can be a sign of builder/investor confidence in a given area if they're willing to put up the capital to build new homes in a given area: they believe there will be enough demand to sell their new products.

If so conventional will be better because FHA/Conv guidelines are the wheel house typically of mortgage broker and some times banker (synonymous names but they all do and sell the same product).Credit unions can sometimes do Fannie Freddie/conventional FHA too but generally aren’t that great at them.