I have a tax/capital gains/ insurance settlement question:I bought a duplex 3.5 years ago with a conventional mortgage.

@Fausto CarosellaThe versions required for conventional loans are as follows:Credit scores are required for most mortgage loans purchased or securitized by Fannie Mae.

My bank wants 25% down on a conventional loan for a duplex.

Nothing is cheap anymore, inventories are very low and anywhere in the valley below $350-400k are almost guaranteed gone within hours or going through bidding war, especially in the neighborhood like where this property is.

I think that idea (BRRRR method) is great, but saying you plan on refinancing your properties into conventional loans involves various aspects.

I observe that they can be quite versatile and cheaper than conventional housing.

Also, if you are buying this house with conventional financing, you will be paying an appraiser to verify the value. 

If you bought the property with a conventional loan with 20% down you would probably be able to make this work, but you may have the slightly higher interest rate as you mentioned. 

@John Jank You will have two mortgages if you go with conventional loan.

Its a great area surrounded by million dollar condos, and convention center and tourists .