I'd rather not spend the money and go through a bank for traditional finance if possible.

At the end of year two I can have 10-15 properties cashflowing.Looking at traditional commercial loans (what you need to close in an LLC) they require 25% down at least and at most will only go 15 year notes at this low of a loan.

Premiums will be about double compared to a traditional rental.

Does anyone have experience with transfer tax in non-traditional financed deals???

and what would my carrying costs be using traditional LTV on a hard money loan (I'm not familiar with what that would be)?

@Andrew Postell I talked to the seller and they are open to non traditional financing options.

One is a SFR, which was financed traditionally through a bank, and the second was a fix n flip that I provided a hard money loan.I want to continue on acquiring SFR, and have obviously heard of the creative financing options there are such as hard money, seller carry backs, and brokers.My questions are surrounding the broker deals.

Is there a NEW way to do this, then the traditional method. 

I had pretty average to below average grades in college with a degree in history and political science... not exactly a traditional finance guy but I think between Trading and real estate I've found a really nice mix of what I love to do..ok enough shameless plugging let's make some deals happen!!

Ask your agent to show you where the policy states it is covering claims from tenants.Owner occupied 2 & 3 unit buildings are traditionally insured with a homeowners policy.