-Am I screwing myself from any first time homebuyer deals, higher interest rates due to personal vs investing, etc.?

Hey @Dan DeGroffBuying as an investment property with a 0.75-1.0% higher interest rate and needing to put a minimum of 20% down (its actually 15% but the rates are so much worse at 15% that its not really an suitable option) when the home would actually be your primary residence is brutal.Partership are a bad idea 80-90% of the time, but could work out in some scenarios.

My only reservation is the higher interest rates on these particular loan products vs regular residential mortgages.

I don't know about cheaper insurance (yet), but at the event I went to, they said that insurance companies were advised/required to NOT price them higher just because they were concrete homes as opposed to regular construction.I do think it's feasible that eventually they'd have lower premiums as they prove to be more durable/less risky.

Hi David,The best way structure this would be with a higher collateralized loan to value loan.There are a few funds who allow up to 90% CLTV.

This usually occurs if the buyer “qualifies” for the loan and an incentive - higher interest rates, transfer fees, etc. to the lender is provided.  3 - the parties entering into  a transaction, take steps to conduct business in a way that doesn’t “alert” the lender to the fact that the property ownership has transferred.  

The past years as the ave selling price grinds higher and higher has been one of sellers are spoiled silly and aren't open to negotiation. 

Community Banks are more likely to work with you as an investor, but they are going to require higher liquidity from you, a significant deposit relationship, and will likely not be as agressive with the loan terms that you might find with lenders that specialize in investor deals.

If you still have those properties and mortgages 10 years from now, rents will likely be much higher, and the value of the cash you are using to pay the mortgages will be much lower even assuming normal 2-3% a year inflation.

Depending on the neighborhood you may actually achieve higher appraisals if appraised as 5 separate units.