Conventional loans are an option if you have good credit, but they can be harder to get for flips.

I thought that conventional wisdom was to buy materials, but I think your points 1&3 would be a great comboTO ANY ONE - @Bruce Woodruff brings up a great point about defining scope.

As of today, the current average interest rate for a 30-year fixed mortgage in the US is 6.91%.DSCR mortgage rates are typically anywhere between 1% and 2% higher than conventional loans.Please feel free to reach out directly with any questions or concerns.  

If seeking conventional financing, you cannot do a cash out refinance based on ARV until 12 months of ownership.

LTRs basically do not cash flow at current prices with conventional rates. 

These loans often have more straightforward qualification requirements for investors with multiple properties but may have slightly higher rates.Cash-Out Refinance on Your Single-Family Rentals: If each has around $70k in equity, a cash-out refinance could provide some capital for the down payment, renovation costs, or even help you buy the 4-plex outright.FHA 203(k) or Conventional rehab loan: If you’re planning to occupy one of the units as a primary, FHA’s 203(k) loan or a conventional renovation loan could help with purchase and rehab costs at lower interest ratesPortfolio Loan: Some local banks may offer portfolio loans for investors with multiple properties.

Aiming for conventional and not a DSCR loan due to costs and the higher down payment requirement for the latter.With that said, I'm curious to hear your take on what the most cost-effective & efficient approach would be to source a down payment.

The numbers worked with a conventional loan, as a long term rental.

If crypto was going to replace conventional money as a medium of exchange — a means of payment — surely we should have seen some signs of that happening by now.

Consider FHA loans, conventional loans, and alternative financing options.