Conventional How did you add value to the deal?

My lenders have all quoted between 7 and 8% which if you look at conventional owner occupant rates really the premium we pay on investment loans is dropping. 

There is a shortage of inventory...in both the real estate market and the rental market and we see SFH's perform very well. 

I've already obtained a 5% down conventional pre-approval and am working with a local (Ann Arbor, MI), investor-friendly realtor to find deals.

My lender has told me that fixer upper homes usually can't be financed with conventional (non reno) loans. 

Its the location to Disney that is the key, thats just where the zoning is friendly and the inventory is plentiful. 

Is private capital a recommended route vs conventional borrowing?

Since it is a bit harder to finance, and there *might* be UDFI Tax, and it is a ROTH so liquidity will be nice when I retire that seemed like a simple chunk to leave UN-leveraged.We then all scrapped up cash for down payments and did conventional purchases for a handful of down-payments.

Good Evening I'm interesting in finding a local lender in Shreveport with favorable terms. Credit unions and low downpayment options preferred. For mortgages less than $50k. Thank you for your input.

Two with conventional financing, and one with the seller financing option using our SDIRA.