@Brandon MorganTo buy your second property sooner, consider conventional loans with a 5-20% down payment, house hacking with an ADU, Home Equity Line of Credit, or cash-out refinance.

ect ect TALK to you county commissioner and/or one of the zoning heads about your intents (talk them to lunch, visit their office, give them flowers lol, just anything to get the county on your side)2.

I would suggest you talk to a mortgage broker or a bank though - if those homes are zoned commercial you will probably have a hard time getting an FHA or low down Conventional mortgage.

Conventional financing would be difficult as they typically require 12 months seasoning to use the newly appraised value.

My real estate agent thinks he's nuts, but she has more experience with conventional loans than DSCR. 

Hi BiggerPockets Community,I’m heading to The National Due Diligence Convention in Houston this weekend.  

Conventional is still the gold standard, but DSCRs are a close second for good deals. 

* We purchased with conventional financing using 5% down.* We financed all rehab using 0% credit cards.How did you add value to the deal?

Conventional is a great option in those scenarios

For one, if you have any properties with conventional loans on them, this makes things much more complicated and severely limits your ability to limit your liabilities.