The other option would be talking to local bank or mortgage broker applying conventional loan.

Hello everyone!I've found the first rental property that I'd like to purchase! I've been referred to a lender by a friend of mine. I have not been through this process before, however I feel it is likely the best appr...

@Ryan Moore 25% is minimum down payment requirement for 2-4 units under conventional loan. 

This is a fairly common question and it does have some important details to understand:There is quite a bit of difference in how rental income is counted between a "FHA" loan and a "Conventional" loan. 

Hi BP.I am a college student and cannot apply for a conventional loan.

My bad, I thought the owner was doing only a piece of the downpayment not the whole note, so was outlining more conventional financing.

This is the first hotel built in downtown Tucson since the 1970s.[9] Tucson Convention Center Hotel-This new hotel will sit adjacent to the Tucson Convention center and have 125 available rooms.

Pretty sure that the only way you can get a FHA or conventional owner occ. loan would be if you are1. going to live in one of the units2. going to run a business from the commercial unit3. can show on 2 years of tax returns your experience running such businessAt least that is what I remember when I looked into this a few years ago.

Agents will only work with investors who buy conventionally at full market value.

As far as I know there is no set convention on whether the first out is depreciation recapture or profit.