@Rachael Lucas    The 10% down second home/Vacation product is a conventional loan.

But good chance you could stay in the conventional lane because you can use sched E income after one year.  

If you are buying with a conventional loan and want to quit-claim the property, it could trigger the "due on sale".

Hi @Ian Dale Ibrado,In Canada under the commercialfinancing umbrella for multifamily, there is "conventional", "RegularCMHC" and "CMHC MLI Select" which have different requirementsfor debt coverage ratios, loan to values, down paymentrequirements, amortizations, and interest rates.

Were seeing a lot of BRRRR refinances in the sixes rate wise recently - rates have been a bit volatile last couple of weeks but some really solid BRRRR deals going on with DSCR considering the short seasoning periods and rates really competitive with conventional alternatives

We can do conventional loans and DSCR.Thank you Jeff! 

Conventional mortgage

Yes, I've had to foreclose on a few in 2nd and it wasn't a problem because I was behind a conventional mortgage lender who could not act as fast as we could.

Would like opinions on things to consider that I may not be thinking about as a rookie on conventional or DSCR loan assuming it appraises for the calculated ARV during analysis vs finding other ways to flip now.

You're going to want to leverage house hacking or creative financing to get to 4-6 properties in just 3 years. 160k would be enough for 1, maybe 2 deals the conventional way, and with your current income, it would take you a few years to replenish your war chest for another deal.