Banks, particularly smaller banks who provide real estate loans are increasingly focused on their borrowers maintaining depository relationships.

You can also search for local FB groups that specialize in longer term stays.

I am seeing a lot of movement on VA assumable loans.

I focus heavily on the sell side and on the buy side only work with high net worth individuals so the newbie wanting a 400k multifamily with an FHA loan probably isn't for me. 

Quote from @Nicholas Dillon: I read somewhere that you can request to have your mortgage insurance dropped once your Loan to Value reaches 80%.

I have 2 properties now one I live in but Short Term Rent it when not home which is a lot.

@Richa Wardhan every investor has to find their own answer to your basic question - focus on portfolio growth or paying off what you have.Portfolio Growth leverages your money using loans and tenants paying off these loans.

If SF can be turned around, I think it could make a lot of sense if you understand the intricacies and can put up with the tenant/landlord law for the long term.  

My Question is if i have a private investor loan me $70K for 5-7 years (his terms) at 12-15% (not compounded).

@Derek Heinz you might be better off finding a major fixer-upper, getting a hard money loan (HML) to acquire it.