I'm planning on financing it through a FHA or potentially a 5% down Fannie Mae loan.

Fannie mae has the 3% down loans these days.

I have a couple detailed financing questions I'm hoping you can help me with.1) I was talking with a lender today who asserted that, in order to do a conventional (Fannie Mae/Freddie Mac) cash out refi of a BRRRR SFR, you typically need to pay 2-3 points for a 6.25% rate and 70-75% cash out, and that getting a loan for less than $100k was difficult to do.This sounded really different than everything I've heard on BP (I haven't heard about people needing to pay so many points or facing a $100k minimum loan - $50k yes).Is there some truth to this, or was I just being steered to the business line of credit and line of exposure that we proceeded to talk about?

The only energy efficiency financing on a national scale is Fannie Mae's Go Green loan program (https://multifamily.fanniemae.com/sites/g/files/koqyhd161/files/2019-10/go-green-flowchart.pdf).

The good news is that if you do a Fannie Mae 1st mortgage, Fannie allows you to move title to the property to an LLC after closing, so long as the borrowers on the loan are the majority members of the LLC.

They are required by Fannie Mae to set up digital vaults, they just are not ready. 

This just sent to me from one of my top lender partners:Starting November 18th, 2023, Fannie Mae is rolling out a game-changing update to its guidelines, specifically focusing on down payment requirements for 2-4 unit homes.The big news is that Fannie Mae is reducing the conventional down payment requirements for 2-4 unit properties to an astonishingly low 5%.

He stated that Fannie Mae/Freddie Mac will not allow them to finance anything lower due to it being considered a predatory loan.

Here's what I mean:Generally speaking there are 2 main types of loans for investors: “Conventional” and “Portfolio”Conventional - I'll define these as loans that come from Fannie Mae and Freddie Mac (if you recognize those names).

VA loans allow for this and so do FHA, Fannie Mae, Freddie Mac, etc.