I'd rather keep the sub-3% rate for now and finance other properties conventionally for the short term.

I did a 20% down conventional, but was not easy as it my 3rd property.

I calculated her monthly payment is 1300.Since it is a vacant investment property where she will be taking a loss at sale and has been on market for 60 days, I am thinking seller financing may be mutually beneficial.I am planning to make 2 offers:300k with conventional mortgage.

Since it was over 12 months with my HML, I ended up taking the property under my name with a 30-year conventional loan.

To use conventional financing, you'll need to have owned the property for at least 12 months and you'd need to close in your name.

Conventional 20% down.

Frank, For a rookie investor with low capital looking to build a rental portfolio, the best strategy is house hacking: buy a small multi-family home with a low down payment (FHA or conventional loan), live in one unit, and rent the others to cover your mortgage.

Conventional Financing How did you add value to the deal?

Conventional (only Freddie Mac See Section 5102.4 of Freddie Selling guide).

Many of the properties I have been looking at have issues but in this case I'm working with the seller to let me get it up to conventional appraisal standards before they inspect it.