and the entire conventional wisdom of the 70% are there any people who don't really use it all and have found out their ways of making the numbers work Like adjusting the percentage based on the market. 

@Nick Cooper you can buy with as little as 15% down on a single unit property with conventional financing.

Technically, Conventional allows 15% down but you end up incurring a hefty hit to your rate/points options when you put down less than 20%, which makes causes most people opt to put 20% down.

Fannie/Freddie won't allow you to close conventional financing under an LLC. 3.

Typically you aren't buying a fixer upper with a conventional loan.

Working with a mortgage broker who specializes in investor programs can be helpful for better terms as conventional loan product lenders generally don't have the best DSCR terms.More info on DSCR loans: DSCR loans won't use your income to underwrite the loan.DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

The roofs are clay shingles with literally wooden logs as framing. 

Conventional non-owner occupied loan. 20% down.What was the outcome?

You may also put 5% down on a conventional loan with no self-sufficiency requirement. 

Invariably about 75% or more of the positive reviews come from people who say they attended RADDs Wealth Retreats or conventions, suggesting a more cult like/beholden nature to their reviews perhaps.