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. 

A few notes about my situation:Credit score is 690, hard money loan is $335k; house appraisal is $530k.I can't do a conventional as I have a foreclosure on my credit that reaches it's 3-year mark of being satisfied in June 2021.Thanks for the help,Melissa

My fiancé and I currently own 2 multi families under conventional loans (a 3 family owner occupied for 3 years and then moved out to owner occupy a duplex).

Good Morning BIGGERPOCKETS FAMILY:QUESTION: I am interested for a property that Asking price its 135k , 3 days inspection period and 3-5 k escrow deposit  ; i need to made this deposit  in 2 -3 days , my question its THE SELLER are asking FOR A PROOF OF FUNDS, that i need to got from a private lender or hard money or conventional loan , in this time the seller will be receive all the offers and just select one ; THE best OFFER FOR him; how i compete to be the first to secure the property????

@Tony Gorokhovsky thanks man, I am now going conventional on two smaller sfh worth about 100k each. so I’ll have 20k-30k of my own money in each deal.

Ask any all parties to help fund the purchase, partner, offer a seller financing or subject-to, or politely ask if they can wait until you're approved for conventional lending. 

conventional loan How did you add value to the deal?

conventional loan How did you add value to the deal?

construction loan for a year, then conventional How did you add value to the deal?