These guys did this for over 20 years .. it was determined that they actually made less than 12 loans in the whole time bringing in Millions of dollars 10k at a time to small of an amount to sue over..

The  portfolio stuff does not so they make the rules up as they go along, but those loans comprise less than 10% of all loans.

Neighborhoods in areas like Homewood and Hoover have been experiencing strong appreciation, and the rental market continues to be strong, especially with the growing number of young professionals and college students in the area.As a loan officer, I’m here to help you navigate the financing process, whether you’re looking for your first investment property or expanding your portfolio.

Maybe a DSCR loan?

House hacking with an FHA loan (3.5% down) could be a smart way to start while minimizing living expenses.

1) an investor will pay the least for your house.2) An assumable loan will only help if you owe at least 8-%, preferably 90% or more if the sales price for an owner occupant who will pay the most. 3) it’s been a VERY slow winter.  

If you're house-hacking, you can put down as little as 5% (or even 3.5% for an FHA loan).

I’m currently closing on my first property in 2 weeks using a FHA 203k loan to help with renovations. 

A few things to note-Loan payoff isn't part of the calculation of what taxable gain will be. 

So if the house is worth 300k and you owe 200k then most you could pull out would be 40k (minus costs) and it would be a second mortgage most likely which would be expensive. 7.5-9.5% likely.But, you can put as little as 15% down for a conventional loan on a single family.