Of course you as the borrower want less and the lender wants more.

It is a simple calculation the mortgage lender will make (generally needs to be below 43%), so you will either have to increase income or decrease the amount you plan to borrow.

@Cody Hall  Talk to your bank and find out how much you can borrow. 

I'm getting conflicting advice from the loan officers and hope Bigger Pockets can help.In short, MUST a VA borrower put down 20% (or any amount for that matter) on a triplex or fourplex. 

What I'm confused by as who to borrow from.

@Jaysen Medhurst @Steve PuglisiWhile traditional financing is preferred in regards to loan terms that are more beneficial to the borrower, however don’t underestimate the advantages it has long term. 

If you structure your deals so that even in the worst case scenario your lender makes money, you will have no problem borrowing private money!

Hi BP World,Here is my situation, I currently have a 401K plan with my employer which I contribute to weekly, this plan does not have a match option.What I would like to accomplishI would like to borrow against this 401K plan, however my employer plan does not have a loan provision option.

In other words, both Fannie Mae & Freddie Mac prohibit the use of borrowed funds or investor funds on an investment property transaction, so this structure does not qualify for conventional financing.PM me if you would like Amy's info or if you would like to grab a coffee and talk more about this sort of structure.

@Andre TaylorExactly what you are experiencing is why the majority of borrowers who go to the small balance commercial loan do so.