Otherwise, if you are going conventional, you should speak with other mortgage officers, as there may be options besides 20-25% down.

I have been thinking about strategies of growing my real estate unit portfolio in size, but any way I looked, I was running into limitations (high LTV for conventional loans, expensive real estate with low cap, 1031) but nothing felt quite right until I came across the BRRRR strategy.

The market is flooded with buyers and inventory is low.

You may want to consider conventional at 5% down.  

When you hear "small business loan" that is normally for office equipment, inventory, things other than real estate.I understand the motivation - I once thought as you do - but that's the reality of real estate lending.  

Yes in my case my mortgage is $408/ month, 30 year conventional loan with 5.3% interest rate. 

If you planning to cash out you have to wait 6 month for conventional loan.

A good real estate agent might also be able to help you unload your inventory so you can buy a better property.

2) does FHA give me a lower interest rate or if I went conventional, is the only difference that I could go as low as 3.5% down with FHA where conventional requires more?

Hi guys, we are looking for a cash out refi lender (conventional mortgage) who works in FL with loan amounts less than $50k.