Even though that was about 10 years ago they're all paid off (I don't refi them as they're not worth enough to bother, and I can't get conventional SFH loans anyway. 

I have two SFR under contract with my partners and I am looking for advice on how to structure conventional loans with  partners. 

@James Passemato  The both partners has to be on loan if you want to use her funds for down payment under regular conventional loan.

There’s a lot of factors when it comes to construction but pre fab is an alternative to conventional framing.

One investor may be in the top bracket while another investor may be in the 15% tax bracket.One investor may live in a high tax state like California while another investor can live in a state that does not charge an income tax.Furthermore, the good thing about investing in real estate is that you can have cash-flow but show a tax-loss which will overall reduce your tax liability.

I was initially planning on buying an investment condo with 20% down on a conventional loan, then buying my homestead in a few months with a 3.5% FHA loan while renting out the other rooms to friends. 

In a wholesaling transaction at closing, does the end buyer (investor) pay for the closing fees, meaning the escrow fee and charges?

@Justin Frye If you're an investor that is looking to grow your portfolio I'd recommend calling the smallest 5-10 banks and/or credit unions in your market.The portfolio lending arena is much more flexible than the conventional space in my experience.

FHA loans are tough to compete when many investors have conventional loans or are all cash.

But if you want to go with conventional loan you have to  refinance on personal  name.