Financing appeal to seller is usually something like cash>conventional with large down> VA loan> conventional with small down> FHAThe best way to make an offer is to just start the conversation, send a letter with your intentions or just an offer.

Wait and save for a conventional or do the FHA and then buy the next one and hope it’s still there?

Ideally, if you can find something that can qualify for a conventional loan and needs updating, you can get the best of both worlds.

I've read plenty of blogs about the benefits of FHA & conventional financing to house-hack and owner-occupy properties.

I plan on getting a conventional loan for the land as most of them have homes on them currently and I will move into the home of the property I purchase.

The maximum loan to value for cash out on investment property is 75%, so that won't work with conventional mortgage financing.

I don’t qualify for conventional loans but I may be able to utilize a portfolio lender based on my given situation.

Currently we are saving to re-fi out of the FHA into a conventional loan so that we can get rid of the PMI.

This is where you buy a multi unit property (2-4 units) with 5% down on a conventional loan, live in one unit and rent out the others. 

My plan is to get a conventional loan but after talking to a few lenders they seem to be saying the same thing...if I move in within 60 days of closing I could do the normal 20% down at about 4.5% interest since it is primary residence.