Since last year of November, Fannie and Freddie has allowed borrowers to put min 5% down for conventional loans and being able to invest multifamily up to 4units.

The first house I ever bought came with a 18% loan, gulp....I agree that if rates drop even slightly, the market will go crazy.....there has been a year or more of a 'slow market' and scared buyers and sellers.

I carry a mortgage on my other home that is valued at about $480K with a 300K loan @ 2.25%.

I dont have a choice all my banks require at least annual update financial package to include :Tax returns.copy of all K 1sPFS  ( Personal Financial Statement)When I had an airplane loan that lender required the same.. and I think some DSCR loans require these ( I dont have any DSCR loans just what I have read )

if you're looking to get a DSCR loan for a residential 1-4 unit property then the primary borrower/guarantor will be on the loan thus the loan will report on their personal credit report.

.$700k down 1.3m loan at 6.5% amortizedover 20 yearsYou would make $18k a year in Cash flowWould pay down $31k a year in principalAfter the first 5 years.

30 year fixed, low interest rate DSCR BLANKET loans (put multiple 1-4 unit properties under one loan for cash out or for purchase).Ground Up Construction loans for aspiring developers with NO Experience100% Financing on Fix and Flips (just pay closing costs and prepaid taxes/insurance)Fix and Flip financing that requires no appraisalHELOCS on investment propertiesBuilder's Forwards (for medium to larger developers who want to hedge interest rates on their properties they plan to sell so they can offer "low builders rates").DSCR loans for long term AND short term rentals (I think this is becoming more and more common, but some people have still never heard of this).And so much more!  

These loans DO meet my criteria, so I feel they are safer than many of the funds I looked at.If I'm in a state, like Texas, with great foreclosure laws, this, for me, is no more risky than buying the property for all cash at the price point equal to the loan balance.

Currently, I have been using my VA loan.

@Sean Haran- thanks ...if you havent already done this - make sure to get fully pre approved with a lender  in order to make sure you can qualify for the loan amt you think you will need .