Normal fannie mae financing.

Fannie Mae and Freddie Mac are not friendly to investors that are trying to scale.

the very reason why there's fixed loan in USA becaue the gov. mandated private lenders to be baggage holder of people's debt LOL they can do that because there's fanny mae so basically all real estate in USA is guaranteed and owned by government LOL

Gerardo here.I'm a New Real Estate Investor from Mexico.I was reading about the latest news that Fannie Mae expects a "mild recession" in the next few quarters.Fannie Mae Expects a Recession as Mortgage Rates Continue to Climb—An Opportunity for Investors?

Some people have had success purchasing a house as a residence utilizing one of the Government sponsored or Fannie Mae sponsored low down payment program and lived in the house for the prescribed minimum amount of time at which point they moved out and kept it as a rental.  

Source @Keep Current Matters.Goldman Sachs : Original Forecast 1.9% / Current Forecast 5.0%Mortgage Bankers Association: Original Forecast 1.1% / Current Forecast 4.1%Zillow: Original Forecast .2% / Current Forecast 3.5%Fannie Mae: Original Forecast 2.8% / Current: 3.2%Home Price Expectations Survey: Original Forecast 2.2% / Current: 2.4%National Association of Realtors: Original Forecast .7% / Current: 1.9%

Fannie Mae’s Home Purchase Sentiment Index for January 2024 climbed 3.5 points to 70.7, the highest figure since March 2022.

You could buy a 2 family and with the new Fannie Mae guidelines, put 5% down on a conventional loan.

And just to be clear, there are 2 main types of loans for investors: “Conventional” and “Portfolio”Conventional - I'll define these as loans that come from Fannie Mae and Freddie Mac (if you recognize those names).

If you have been more than two payments past due or have been past due by two or more payments in the last 12 months, then the loan casefile is not eligible for delivery to Fannie Mae or Freddie Mac/ conventional loans.