Conventional Loan How did you add value to the deal?

It will be harder to qualify for conventional loans (personal or investments).

The intent is torefinance them once I am done with the rehabs and I want to stay clear of theseasoning restrictions often seen on conventional loans.

This method cost you nothing.This is a good starting point to build investment capital while you learn.If you plan to buy and hold or rehab and flip, then you will need either investment partners on conventional funding sources. 

Not only that but you each can qualify for a max of 10 conventional loans under your name.

@Jason Greenway For conventional financing most lenders will not allow you to put a home under an LLC, it has to be in your personal name.

This is through a conventional, no PMI loan.Investing in Commercial Real Estate:Commercial properties include office buildings, retail spaces, warehouses, and more.

This means you would need to refinance the current house into a conventional loan before you can get another FHA loan.

Hey BiggerPockets family,I was just approved for an owner occupant, Fannie Mae, 5% down with a purchase price of $1.3 million for a 4plex in the Phoenix Metro of ArizonaMy middle FICO credit score is 759My current DTI debt to income ratio is 30%I have enough down payment, closing costs for the subject property, and enough liquid reserves for all 10 of my apartment buildings totaling 45 units in PHX Metro AZ my mortgage lender quoted me with a rate at 8.125% with me paying 0.156 points totaling $1,920My question is,does this 8.125% interest rate sound reasonable for an owner-occupied fourplex 5% down Fannie Mae conventional loan as of March 27th, 2024, at 1700 hours?

An alternative can be Non-QM or non-conventional financing.