Used an FHA loan as owner occupying with a 3.5% downpayment.

I would get a bridge loan to acquire the property if it needs to be rehabbed and/or closed quickly.

If you are looking to buy in PA, its possible you can qualify for PHA KFIT program that gives you a 5% closing cost forgivable loan.

Assuming since you did any FHA loan, this was a househack?

That being said, I had to translate a lot of documents on my own for the loan process, so there was more effort involved.

Financing options do exist: hard money loans, renovation loans, and some traditional mortgages can be used on distressed properties if criteria are met.

Since it was over 12 months with my HML, I ended up taking the property under my name with a 30-year conventional loan.

There are DSCR lenders will allow only a single 20 or 25% owner of an LLC to sign a Personal Guarantee (other owners are not on the loan, or liable for the loan).

Mortgages are the last thing to default for a homeowner and appreciation has been so high in Canada that every homeowner who has purchased before 2022 has gained equity and could just refinance their loan over a longer amortization before defaulting.

Analyze deals, build your network, and educate yourself constantly.If you have access to unique resources (like a VA loan, FHA Loan, or 401K), use them to your advantage!