Traditional investment mortgage.

Quote from @Christian Camacho: Hello everyone I’ve been doing wholesale real estate and I recently came across note flipping.

Reduced down payments are possible for multifamily buildings using financing options such as FHA loans, which are less expensive than traditional loans.Find local programs that can help with a down payment, look up programs in your region, get in touch with lenders or mortgage brokers in your area, and fulfill the eligibility requirements by attending homebuyer education workshops.

It's not THAT much more work than a traditional LTR and it's significantly more money, so we've found it to be worth it. 

For me to make a traditional offer it would have to be very low to make my numbers work.  

Do a traditional financing note/deed of trust.

Gap funding can help cover the difference between your available funds and the down payment required by traditional lenders, but it often involves higher interest rates and adds complexity to the process.Finding off-market deals can be challenging, especially for beginners, and higher interest rates may mean lower rental income.

What do you look for when looking at traditional homes online (without having to drive all over and look at a ton of homes that will never work) to see if you can modify the home to make it work for this scenario?

I am currently a commercial banker for Frost Bank in Houston, Texas and graduated from Texas Christian University in 2021 with honors in Finance.

Most of them are achieved through traditional lenders and institutions like banks, but some are accomplished through less traditional means.