30 year investment rates are closer to the 4% range, and I would imagine private money is going to be more than 4.5%.Main benefit of private money is to avoid jumping through the hoops and red tape conventional financing can bring.

But if you are looking to get into a 4 unit and don't want to wait until you have a full 25% for another conventional loan you can always try using the FHA 3.5% down and get another 4 unit.

conventional mortgage How did you add value to the deal?

Conventional Loan with an Oregon Bond DPA loan to get me to 20% down and avoid PMI.

The terms stink in comparison to conventional financing! 

Hi there,If i agree with my friend and we split closing costs 50-50, could I own 50% of the house and can my friend still get primary residence conventional loan with 10-15% downpayment?

Now that I have used a lot of my own capital and became more knowledgeable on how to use other people's money I'm using hard money and BRRR'ing to conventional financing.

Also, if you are using conventional conforming loans, you would have a couple issues.

After a year I refinanced into a convention 30 year fixed at a much lower rate than the previous "balloon" loan.

Conventional commercial, with additional seller financing.