Because they aren't traditional tenants in the sense with a 1 year lease and to determine fit for the house, I like to start everyone on 2-4 month leases and see how they perform.

This could make sense if you do't qualify traditionally, AND you plan on refinancing again within a year or so. 

We syndicated 75%, plus costs of the purchase price and financed the balance with a traditional loan.We shopped around for weeks to find the perfect loan with the best rates and terms.

Creative financing: Explore seller financing or subject-to deals for your next property, which often require less upfront cash and bypass traditional lending limits.You’re on the right track thinking long-term—house hacking and leveraging your duplex are great moves.

This may provide you with lower down payment options and more favorable terms.No Documentation Loans:While traditional no documentation loans are rare, exploring private lenders or hard money lenders might offer alternative financing options.

If the houses are in decent shape and could get traditional financing do not sell seller finance.

Traditional lender financing with 30-year fixed loan and 25% downpayment.

Firstly, they are significantly more affordable than traditional houses, often reducing the financial burden of homeownership.

Live in one unit and rent out the others to cover your mortgage.Seller Financing: Negotiate terms with the property seller where they act as the lender, often requiring a smaller down payment and bypassing traditional underwriting.Partnerships or Joint Ventures: Partner with an investor who provides the capital in exchange for a share of the property’s equity or income.Lease Options: Use a rent-to-own agreement, which allows you to control the property while saving for a formal purchase.BRRRR Method (Buy, Rehab, Rent, Refinance, Repeat): Acquire a distressed property with short-term financing, rehab it to increase value, rent it out, and refinance to recoup your initial investment.Pro TipStay in close communication with your lender as you approach your next purchase.

When it corrects there are typically just a greater amount of opportunity especially when there was a large run up to the correction by those who did not follow traditional risk mitigation measures when investing.