Scaling up doesn’t always require 20% down—house hacking (FHA or 5% conventional), DSCR loans, seller financing, and the BRRRR method can help you acquire more properties with less cash upfront.

Financing Strategies – I’d like to put 15%–20% down—what’s the best way to secure a loan with manageable terms?

Too large to be a normal convention loan, but not big enough to be tasty for an investor that wants some size.

Debt Protection: If you have mortgages or private loans, a life insurance policy can protect your family or business partners by covering outstanding debts in the event of an unexpected passing.4.

If you can beat the ROI you're getting on the SFR, then do it.Otherwise, why can't you buy a 2-4 unit with a 3% down FHA loan?

Or hung a toilet paper dispenser 4.install closet rod.

Ideally was thinking a duplex, triplex, or quadplex to get started and use an FHA loan but I also have a private lender that can possibly help with up to $200k worth of a down payment.

They provide lines of 0% credit with an 8% fee, hard money and DSCR loans among others. https://www.rammfinancial.com/Thoughts?

Higher interest rates on conventional loans may result, as the government backing currently helps keep rates low.

VA loans are the only loans that allow this, and there is no rate penalty for it no longer being your primary home.With that in mind, you could do a cash out refinance today at a higher rate than current market rates which will create profit on the loan, we can take that profit to pay for your closing costs.