Cash on hand and conventional mortgage Lessons learned?

Pros of RE:- leverage (can house hack and put 3.5% down FHA, 5% or 10% down conventional loan if you live in one of the units, 2 to 4 unit or buy single family, live in it and rent out each room and buy a $500,000 or $1 million asset).

Sounds like if I stay conventional then my best rates will no doubt be the 25% down options. 

I can buy investment RE but due to crazy bad DTI (far worse than 100 to 1, possibly approaching 500 to 1), I cannot get reasonable financing on an OO and not sure my co-sign will help on conventional financing.  

It’s very likely I have been applying conventional wisdom too rigidly.

Regardless if it is a private money or conventional deal.

Typically it's 10% down for vacation homes for Conventional

Also there is no restriction on acquiring conventional loan on primary residence even if you have maxed out on conventional loan for rentals.

Also, I don't know if it would be worth it from a liability perspective either, but would advise to chat with an insurance pro/legal pro.When purchasing a primary residence, conventional loan guidelines will require you to take down the property in your personal name.When it comes to taxes, you'll likely be able to take the standard deduction AND itemize Interest, Taxes, Insurance, Depreciation, and expenses prorated based off the rented portion of the property when reporting the 1040 along with W2 income.

This method is particularly relevant if you're in a market with high rental demandI would like to know the appraiser who valued an ADU using income approach for a conventional loan.