I believe the primary issue is the 20 year term on a typical commercial loan.My current focus is on buying and hold duplex properties, and around me that put the total acquisition costs around $200-250k, with total monthly rents being 1.0-1.3% of the purchase price.  

A HELOC is going to be in a similar range for a primary, but offer a longer term.If your plan is to pay off the line in the near future with a refinance, I would not be too considered with term length or rate.

Hi all,Wanted to get your inputs.Background about me..My primary home is in San Jose, Ca which has appreciated a lot.

We have been using the HH/STR strategy  As long as you realize the JADU and primary are likely rent controlled it you ever place a LTR tenant.  

I also house hack my primary.

To be refinanced using a conventional loan it would have to be moved to your name, assuming you're looking to convert the property as your primary.

The primary test used to determine whether an instrument is a security is the Howey Test, which originated from the Supreme Court case SEC v.

But finding such a loan on a primary home would be extremely challenging. 

I used the equity to purchase a duplex on the beach as my second property and now use this as my primary residence.

I've heard that the down payment percentages for investment properties can be higher compared to primary residences.Specifically, I'm looking for insights on:The typical down payment percentages required by conventional lenders for investment properties.Any differences in requirements for single-family homes versus multi-unit properties.Experiences with different lenders and any recommendations for those offering favorable terms for investment properties.Any tips for negotiating better terms or finding lenders with more flexible down payment options.For context, this will be my second property, and I have a good credit score and a stable income.