You're better off opting for an interest-only mortgage, saving on payments, and then refinancing it into something more conventional when interest rates drop—or, if possible, making a plan to pay down the principal.Interest-only loans, which typically last for the first 5 to 10 years of the loan term, offer two key benefits.

I've heard stories on the podcast of financing 75% conventionally through the bank and basically doing seller financing on the down payment, so 25% to them.

Conventional How did you add value to the deal?

This is a conventional loan where they also cover your PMI (private mortgage insurance).

Conventional 20% down.

Conventional will be reported.

I went owner occupied either conventional or FHA.  3-5% down at the time you only had to live there 1 year and then you can move out or move on. 

This is just bad banking practice and FTC should be aware of digital platforms like Baselane in many ways abusing their powers and washing their hands off. 

That means, no conventional loans, bank loans, DSCR loans.  

Thus, I think that we could see national rents rising in the high single digits, or possibly surging as much as 10% in 2026 vs 2025, with some markets seeing rents rise even faster than that - Austin, TX regaining much of the lost growth in 2024 and 2025, for example.