I was planning to buy my first rental house at $300K with 50% down, and after just talking to a banker from Chase private client, there's seem to be a better way to do that.My current primary house:Value: 1100Kown: 560Krate: 3%, started at 08/2016 with 7/1 ARMInvestment house:Price 290KIf I take another loan for investment house, the rate would be 5.00 for 30 year fixed.

Semi private lenders will do this.  

Private lenders in the past have filled a whole (for example under $50k properties) where banks would not lend due to the cost of underwriting the loan and Dodd frank.

I am going to be buy a property using a private lender, we agreed agreed to 20% down payment, he’s covering 100% of the purchase price and the rehab, with 15% does this sound like a bad deal it’s my first property.

The utilities are private (Well and Septic).

I am planning a trip to Cali next month.I was told from the standard mortgage operator on the phone, that I would better talk to their Private Mortgage Department or Advisor.

You can do this as a private individual from your personal page but I think a business page is better just to keep your personal life separated.I advertise rentals all the time on facebook and it generates a lot of traffic for me.

I am most certainly NOT a whale in this business with all the answers but if I can be of assistance please contact me anytime.We are doing lease-financing, subject to's, and fix and flip/hold deals with private lenders in our area so if anyone can use some help or advice please speak up. 

As others mentioned, you might want to talk to a private lender or try to get seller financing.

(If it's Self Storage - PM me or check out some of my other posts on Bigger Pockets for some more insight.)Think of the latter (passive investing) as being a private lender, Equity Investor, accredited investor or something of the sorts that gives you opportunity into a multitude of investment opportunities.