I've done deals like this where I've had the seller hold a small second, subordinated to the banks 1st position mortgage, with payments to the seller deferred until balloon payment which I make coterminous with the bank's mortgage.4.) 

The vast majority of "regular" or traditional (Conv/Govt) mortgages are originated by specialty lenders and brokers and are sold in the secondary market to provide yield on bank balance sheets (think Chase or BoA) or to be securitized into MBS.

We already signed the purchase agreement several months ago...it has been on hold while they mitigated a pest control issue that has taken 2 months.If it's that important, make it part of your purchase agreement.

Everything has been cash so far but I have contacted several local banks and all of them have said about 1-2%+ above regular mortgage rates, 3-5y ARM with 15-25y term, and 20-30% down.

It depends on the market and whether you'd like to hold onto more liquid cash to put toward the next deal. 

are any of these regular tax deed sales?

Effective  12/1/2024 @ 12:01a the Louisville rental registry requires the 16 page Lead Hazard Evaluation form in addition to the Affidavit of Compliance. Don't forget about your LMRC# and your registration fee!

Or just regular buyers? 

If you had managed to purchase in those areas back then, your cash-on-cash return might look quite different today, especially with rental demand still holding strong.

This property will be the first of many, and we hope to continue scaling in Cincinnati over the next few years.To start out, our plan is to buy and hold a cashflowing 2-4 unit property using a DSCR loan.