On June 21, 2024 Freddie Mac got approval to purchase second mortgages on SFH occupied by primary residents.

Antonio, my fiancée and I are both realtors, I specialize in value add property and my fiancée manages our property management company and is a traditional realtor that specializes in listing properties.  

Purchase price: $552,000 Cash invested: $30,000 purchased this home as primary home. lived in it for 1 1/2 years, rented it out and moved to a different primary home.

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There are more nuances to investor loans than for primary residences.

My lender just called me quite flustered to say that he has learned that no one is doing the traditional 10% down loan for second homes, which is what I was going to use.

- Do I need to look at Zoning to rent a portion of my primary residence? 

. - The commercial property is in an LLC, we get K-1s from the LLCs taxes every year showing that the LLC pays for the expense and is cashflow positive; except for the deprecation we take :) I plan on buying a new primary residence in the next 1-2 years and want to know if I need to have the commercial loan adjusted so that its no longer personally guaranteed.

But, I would personally be very uncomfortable using a HELOC as a traditional down payment option. 

I will add that investing in a real estate syndication where you have Unrelated Business Income Tax (UBIT), if you are going to use a self-directed IRA, you might be better off using a Roth IRA, instead of Traditional IRA, due to the tax-free compounding growth of Roth.