You can acquire your first primary for 3-5% down for conventional or 3.5% FHA + upfront cost for fha specifically.

Therefore, I have a hard time committing to a house hack which contributes greatly to my problem of raising capital for a conventional mortgage with a 20%+ down payment instead of alternatives such as an FHA. 

I would reach out to a conventional lender/broker to see, I just do DSCR and hard money so my requirements are very different. 

We would get a better conventional loan rate on a new primary (vs investment property) and be able to put less than 20% down (if we wanted to).

Hi @Will Newmiller - I bought my first 3 properties with conventional 20% down loans, using funds from my business and loans from my wife's TSP.

Conventional How did you add value to the deal?

The best place to find buyers and sellers is at conventions and networking which can be done on BP. 

Primary Conventional 15% down.

While this approach ensures more reliable tenants, it also limits the pool of prospective renters, making it challenging for individuals with less conventional financial profiles to secure housing.Given these challenges, I have decided to exit the Ontario rental market.

Digitize physical receipts for easy storage and use a consistent naming convention for easy sorting - 2024.03.25 Home Depot. 3.