I believe they are recouping costs associated with loans they don't close.

Does anyone know if loans are 90/10 or 80/20?

@Frankie Lotrec if you have an existing loan on the property and you plan to legally convert from a 4 unit to 5 unit , you should check the loan documents because you’d essentially be converting it to a commercial property, since 5+ units is considered commercial and subject to different appraisal approaches and so it would rule out the property being considered for purchasers utilizing residential financing.  

Has anyone have any experience acquiring multifamily property using a SBA loan like to get your thoughts?

I've seen programs that go down to a $100,000 USD loan amount for foreign national DSCR loans.

Hey all, I have a client that's looking to scale his portfolio and we're looking at Assumable Loans here in San Antonio.

Instead of a 1 to 1 ratio, the required ratio can be 1 to 1.2 or 1 to 1.25.More on DSCR loans: DSCR loans won't use your income to underwrite the loan.

I would take out a private loan on the paid off property to get the other one squared away

Maybe consider a conventional reno loan like the Homestyle or CHOICERenovation. 

Not all loan officers are created equal.