If you can go conventional, go that route first.

Doing so will seperate your investments from your personal assets and protect you from liability. also, one thing you may not know is that you cannot get a conventional loan with an LLC.

The f/f residential conventional rules indicate a quad with ADU does not qualify.  

Originally, I felt limited by conventional lending DTI.

Incredible book that has probably changed my life more than any other book I have read (though admittedly I do not read much) As I poured over the 700+ pages I fell in love with the spirit that was protagonist Howard Roark, who defied convention to make more beautiful architecture and was loathed by society, especially the ruling class.

Yes you can use commission as sourced funds for down payment on a conventional loan.However some lenders have internal overlays that don't allow it.

You can do a few of these to build up more capital and/OR do this to get a better deal on a property.If you find your deal (wholesale), rehab something and use HML, then get a conventional loan on it, ideally BRRRR it, you could have a great start.

Since it was over 12 months with my HML, I ended up taking the property under my name with a 30-year conventional loan.

Frank, For a rookie investor with low capital looking to build a rental portfolio, the best strategy is house hacking: buy a small multi-family home with a low down payment (FHA or conventional loan), live in one unit, and rent the others to cover your mortgage.

AAPL is another one  that is just a private organization that teach's folks how to lend their own money or others in states its legal and they have courses and info and a big convention etc and you get to say your certified AAPL lender ..