- Fannie/Freddie (f/f) residential conventional loan is the cheapest money available.  

Great idea, although conventional and FHA renovation loans are somewhat of a pain to qualify for.

First, this is not a Conventional loan.

I know of a lender that offers a 0% down, owner-occupant conventional loan that is a fantastic option for househacking.

Since you have work history, if you get a job with salary income and a credit score above 640 (680 realistically), a conventional cashout refi is within reach as soon as you reach those metrics.

and the entire conventional wisdom of the 70% are there any people who don't really use it all and have found out their ways of making the numbers work Like adjusting the percentage based on the market. 

9) adding multiple ADUs or adding an ADU to a quad looses F/F conventional financing.

Conventional non-owner occupied loan. 20% down.What was the outcome?

Typically you aren't buying a fixer upper with a conventional loan.

Should we do a conventional loan?