THIS IS ALL UNDER THE ASSUMPTION I CAN GET I/O at THE SAME OR CLOSE TO THE SAME RATES I'm getting normal commercial loans.

I just got a term sheet yesterday for a property i'm working on and it was non-recourse, 12 year loan, 30 year am, 3 years I/O at 3.90%.

@John Bran your connection is right, a HELOC (home equity loan) is a great way to purchase a duplex.

I am bran new to all of this still have a lot of studying and learning to do.

What would that mean for people who had O/O at 30yr 50%ltv loans.All loans over 80% have a bump to the rate- it may not be disclosed to you but trust me its priced into the rate so someone with a 50% ltv would be looking at rates at least 1% lower than someone with a 90%ltv.

You are going to think I am nuts, but I plant OATS!!!!

Normally I get brown rice, rolled oats, oat bran, dry beans, quinoa.

That stove looked bran new in less than an hour.

Best of luck on your real estate Investing journey, @Bran Krans. 

I will keep you Oates along the way.