Good Afternoon, Bigger Pockets Family:I would like to share this with you all:My mom, for the last twelve years and some change has been paying for home through loans which she tells me are a combination of conventional and a balloon mortgage.

What about a more conventional mortgage?

Conventional loan, 20% down.

Conventional loan, 20% down.

I recently used the equity from this crazy market to refinance out of the VA loan and into an owner-occupied conventional loan with the aim of reusing the VA loan to purchase another multifamily property.Here's where the dilemma begins.It seems like every month that goes by makes it harder and harder to afford some of these properties, so I would like to jump in and hedge against appreciation and inflation, but I am unsure how. 

I recently used the equity from this crazy market to refinance out of the VA loan and into an owner-occupied conventional loan with the aim of reusing the VA loan to purchase another multifamily property.Here's where the dilemma begins.It seems like every month that goes by makes it harder and harder to afford some of these properties, so I would like to jump in and hedge against appreciation and inflation, but I am unsure how.

I recently used the equity from this crazy market to refinance out of the VA loan and into an owner-occupied conventional loan with the aim of reusing the VA loan to purchase another multifamily property.Here's where the dilemma begins.It seems like every month that goes by makes it harder and harder to afford some of these properties, so I would like to jump in and hedge against appreciation and inflation, but I am unsure how.

I'd recommend looking into a low down payment loan instead of a conventional with 20% down. 

Let’s start with the math.Purchase price: $760,000Conventional loan limit for area: 647,000I was looking to put down 5% of purchase price: 38,000This leaves me with a discrepancy of $75,000.This will be a house hack w...

FHA requires you to have 3.5% down and not your 20% conventional loan.