Hi Grayson, with you mentioning conventional 5% down and FHA 3.5% down, it sounds like you are referring to a primary residence.Private Lending/Hard Money Lending is usually on investment property (We can do primaries but it is highly regulated & varies state to state so most refrain from it.)If you are looking to get into a flip, long term loan, whatever it may be.If you have no experience & a solid fico, rule of thumb is 20% down.Hope that helped :)

SMS was the primary lead gen.

Furthermore, you'll obtain better financing rates/terms with a primary home loan than with an investment mortgage product.To get the ball rolling, connect with an experienced house hacker and investment-focused real estate agent in your market ASAP. 

Now my primary contact, Dave Sherman, is saying that I need to deal with Bruce Wuollet on the matter (as apparently they aren't sharing information with each other). 

Currently, I own a single-family home that serves as my primary residence.

I used to own a condo as a rental and a single family house as primary.  

I wondered if SF route might allow us to secure better terms at maybe a 4% interest rate for a few years on the funds not rolled into current $150k potentially assumable mortgage -- and in a few years we could roll into a traditional mortgage. 

Instead of leaving equity tied up in the property, you can refinance and put that money to work on your next investment.Advantages:Leverage: You’re using borrowed money to increase your purchasing power.Long-term Wealth: By holding rental properties, you benefit from appreciation, passive income, and tax advantages.Scalability: The ability to keep reinvesting capital makes it easier to scale compared to traditional buy-and-hold methods.Is BRRR Right for You?

Great news is when you get a deal there the spread is usually solid, bad news is many of the traditional marketing tactics don't work very well (at least in NYC where you cant cold call, PPC & PPL is really expensive and I don't know anyone who does well with direct mail).

Based on my knowledge of the market and similar properties I think these are at, or near, 2X market rent.I've use a traditional bank to finance the purchase of each of these buildings - using a traditional commercial real estate loan.