Conventional loans (from Fannie Mae or Freddie Mac) for example, have concession limits of 3%,6%, and 9% depending on your downpayment amount on a primary home.  

To some points on this thread: @Matt Ward Not sure why that's so surprising that 90% are interested in 1-4 unit properties - most investors can easily qualify for a Fannie Mae loan on those, they can't on bigger property.

It will be interesting to see more guidelines and pricing for the Fannie Mae 5% down 2-4 unit on 11/18.

@Timothy Howdeshell fyi:  I just read on BP (so not sure if correct), but Fannie Mae changed Title seasoning to 1yr. 

@Beth PharissThe FHA 203k or Fannie Mae Homestyle loan products might be a good fit for you.

Please let me know if you would like some help as I specialize in the 203k and the Fannie Mae Homestyle Rehab loan which is the 203k on steroids.

I am curious if possible for individual to buy Fannie Mae MBS product directly that's being recently issued (the one with mortgage rate of 6%) ?

I specialize in Fannie Mae, Freddie Mac and FHA debt.

Just to help with the clarification on this subject (it can get confusing) 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).

Dodd/Frank legislation created a whole tier of mortgage lenders that don't sell to Fannie Mae because their terms don't conform or qualify to Fannie Mae or Freddie Mac standards; hence they are "non-qualifying" mortgages.