25% cash downpayment with a conventional loan How did you add value to the deal?

Hello all, I am looking to buy my first rental property and am looking to start by using a conventional loan.

I currently have $20k for a down payment for a property and I was thinking of purchasing a single/multi-family property for less than $300k and put 3-5% on a conventional loan.

I was willing to seek conventional financing, however I asked the question, "would you be willing to finance it for me, aka act as the bank," since they owned the home free and clear, they were willing.

Some prefer commercial property, some favor the conventional types of mortgages, some specialize in VA loans. 

Buyer decided to go conventional, we hung in there with them.

If you consider an FHA 203K rehab loan, the FHA guidelines will require both you and your wife to be on the loan application.If you decide to purchase as an individual with a conventional loan, then take on the flipping costs out of pocket, then sell for profit, you would be able to not be in an LLC and do it with only one of you. 

What is the best way to finance another property, or current debt to income is too high for conventional.  

Go conventional if you can for the best rate/terms. 

Usually local banks only, usually conventional unless you have a different kind of business model from strict BRRRR.