Some loans may have seasoning requirements for the down payment money like you see on conventional loans for primary residences where they need to know where that money was the past couple months.

I have a conventional loan so there are limits to what I can do.

I don't do conventional lending, but I suggest contacting a conventional broker to see what options are available for your goals. 

We have an NFL draft convention set for next year.

Hey Marcus, I just replied to your email a bit ago with some reasons why Detroit agents are generally terrible :-)Outside of that is the challenge that there's just not much inventory out there (historically speaking). 

Since it is owner-occupied at the moment, I would go conventional and then use that plus hard money/DSCR to purchase your next deal. 

This is a slight improvement from last month’s 35.9% gap, as inventory continues to slowly grow toward normalcy.Looking ahead, active inventory is likely to surpass 2020 levels later this summer.

Right now, as in halfway through 2024, there is very low inventory and a lot of demand. 

Cash out refinance on my primary house, conventional mortgage 25% down How did you add value to the deal?

For you, there is no distinction between one dollar and another, stick to your conventional disclosures but you can omit those specific to the retention of loans from a wholesaler (% sold) and provide your own (I'd say something like 95%, that gets deeper, but you can sell, assign or retain your loan).