Getting the loan in your LLC doesn't change your borrowability.

I had to borrow the down payment form my parents because I was BROKE. 

Nov 2024…Google search - Arkansas business.com “Southwest Georgia Farm Credit ACA of Bainbridge, Georgia, said in a lawsuit filed in Randolph CountyCircuit Court that Rad Diversified REIT Inc. borrowed $2.1 million in November 2022.

While borrowing for a down payment is risky, increasing your savings will lower your interest rate.

Ok yeah we are thinking of getting an investment property loan so we can stay in our current home.If we did the FHA route we are considering on living in the new property for 1 year and then moving back into our old one after the year is up.We are curious if we would get a more favorable rate if we borrowed from our home equity to buy the investment property.Do you have any idea if many investors borrow from their home equity to get started?  

but I borrowed money to use as a downpayment. 

And those borrowers that are higher risk are risky for you too.

No co-owners/borrowers.

Or just borrow from a friend. 

There are a couple of things that come to mind, if a payment is missed the lender cares, if the servicer goes out of business or misses a substitution of trustee, the lender cares, if the borrower goes to the lender to try to get removed from the loan (usually to buy another house) the lender cares, if the property gets caught up in a bankruptcy or divorce, the court cares and that means the lender gets involved.