I'm assuming you used FHA on your duplex in 2021 so that 5% down conventional would probably be a good bet. 

It's very difficult to cash flow now with 7% rates anywhere unless you're doing some type of creative strategy like assuming the seller's mortgage or riskier scenario beyond a conventional loan. 

I could've lent the money out or invested in notes, but I'm more interested right now in asset accumulation.I ended up simply rolling my SDIRA into my current 401k and taking a loan against that, thereby being able to utilize almost 100% of those funds (not quite at $100k in the 401k, but close) and purchase a duplex with a conventional 30 year loan.If I had $150k or more in my SDIRA I would have looked at other options, but with only $50k I found the path I chose to make the most sense.

So, while a lender might have you approved for “conventional” financing when you get prequalified just verify with them that they are qualifying you with Fannie Mae specifically to get this benefit.Happy hunting!

These lenders often consider the income-generating potential of the property rather than just personal credit history.Non-conventional Financing: Look for lenders who specialize in non-conventional or alternative financing options.

No we decided to turn down the hospice offer and rent to a conventional renter. 

Seven, Starting on November 18th of this year, you can purchase a home with 5% down conventional loan and owner occupy a 2,3, or 4 unit multifamily. 

Trashed credit and the new inventory that is being bought rehabbed and resold. 

For 2-4 unit househacks, you would have a minimum 3.5% or 5% downpayment for FHA and conventional respectively. 

My guess is that the arrangement you contemplate would not meet FHA underwriting guidelines, but I am not a MLO and have not had a conventional or FHA loan in decades.