Used money from a HELOC on primary residence for the down payment, and then a combination of leftover HELOC funds and cash-on-hand for the rehab.How did you add value to the deal?

Combine this with the low down payment options and it is easy to understand why conventional financing is what people normally choose while it is available.Depending on where you are at in the process of getting approved, I would encourage you to find a mortgage broker. 

Combined this shouldn’t have taken you as long as your post did.

Is there a way to combine the loans to purchase a commercial property.

I'm in escrow on a house 3bed 2bath with 2car grarage which we plan on coverting to ADU, for the ultimate house hackbefore aprasal and inspection we made an official offer at 630k. home inspection results had good foundation and plumbing, but roof needed to be replaced in a couple years, electrical needed upgrade, and we want to remodel kitchen and bathrooms to more modern style.we made counter offer at 620k and not sure if this a good deal. 2 comps from the appraisal range 640k - 670k and in the last 12 months 62 comps from 520k - 755k. the Plan is to rent out both rooms for a year then rent all afterwards and hopefully have the ADU done also. thanks everyone

These two things combined will keep real estate moving up and, at worst (depending on the market), plateau.

At one time I had over a million dollars in combined residential debt and I still qualified for another investment conventional loan with just my salary (no, I'm some doctor or lawyer raking it in) and the my 1040 (including my SchE).Again, lots of the financing issues are specific to your situation, and what situation you may find yourself in the future. 

Others may charge higher interest or some combination of the two.

Once they let you know about potential deals, you can use these 10 factors, in combination with your personal criteria and goals, to conduct your own thorough research while avoiding overwhelm.

If the "cat lady" had been applicant #1, you could require a non-refundable pet fee or a combination of pet deposit + non-refundable pet fee ($350-$500 total is within the norm in our market).