Looking at both FHA and low down conventional.I first went to my local credit union and the best they could do was approve me for 5% down conventional at 2.75%This seems pretty good to me but I want to do my due diligence and shop around.

Not to say that you can't find a lower down option, but that would be what I'd consider your 'most common' DP requirement on an investment whether commercial or conventional loan. 

So far it seems like you can only get an ITIN loan, where the rates aren't very great...Is there a way to bypass this, in order to get a conventional loan - like invest a certain amount through an LLC for your Real Estate investments?

Hi guys,If there are two people on the loan for the FHA loan, or Conventional 97 loan, do they both have to live in the property, or does only one of them have to live in the property for the loan to go through?

Conventional loan.

@Ashley Tulare if you are shopping conventional mortgages, your options for investment properties are more limited, specifically when it comes to low down payment.

If rates stay low and we continue to have zoning/permitting regulations that aren't conducive to building more units quickly, demand will be high and supply will remain low which will lead to further appreciation. i saw a recent study that said sellers prefer offers using conventional financing as opposed to FHA because FHA takes longer to close and has more strict inspection requirements.

We can even get approvals on conventional loans if your offer letter and WVOE show a start date of employment within 60 days following the close date of your purchase.

30yr conventional mortgage at 3.5%. 20% down.

. $100,000 annually.I am not sure if I would need to put 20% down as a conventional, 30% down as a commercial loan, or if there are any other options.