Conventional 20% down.

At least, not at conventional rates/terms. 

If you find a deal but no financing, then how do you purchase it; however, many lenders (hard/private/conventional) will not agree to lend to you unless you have a deal. 

I talk to a lot of people who tell me that they will have no problem getting a loan, and then we find something that they didn't consider, and I have to decline them (or get them into a non conventional, which is more expensive).And you can get a better idea of costs and interest rate for the loan.Always get this done before you move forward.

I had another opportunity come up that is work from home, but the job is contract with less pay and wouldn't be able to help me qualify for a conventional mortgage.

The owner occupied reduced down payment program on conventional mortgages can be repeated over and over. 

If we purchase the next one through the LLC we will be looking at non- conventional financing/higher downpayment %/higher mortgage rates/difficulty finding lender.I am wondering if anyone has any experience in small member LLC's like this for investment properties.

I feel like that would be my best plan.I have plenty for a FHA down payment or even a conventional 5%. 

we did a 15 year conventional with money we had saved up for a down-payment.

So, what is the difference in rate and complexity between conventional mortgage which is on individual's name v/s mortgage on LLC name?