Hey looking for a mortgage broker who knows the deal when it comes to REI, creative financing, the work arounds on how to avoid the traditional 20-25% down and any other loop holes there may be out there.I'm trying to get my second home I currently live in a small 2 fam, I plan on upgrading to a larger two family now that the kids have outgrown sharing a room.

Your legal fees would be recompensed in the pay out and you will have avoided paying a deductible and adding claim history to your personal loss summary.

I'm not specifically avoiding them, but I have a lot of investor demand so I haven't had the need to do another one since. 

As long as the person lending the funds is not a party to the sale, the terms of the loan are documented along with the collateral, and there is evidence of your receipt of those funds.Again, make sure you are working with an experienced loan officer that can help you navigate the guidelines, to avoid any missteps.

Are there benefits for putting more down just to avoid PMI?

You keep saying you know how to run comps but you can't even provide your source much less an actual verifiable cape rate comp.I'd be happy to discuss this with you but you seem to be avoiding that discussion by posting attacks on me. 

I would prefer to avoid the risk of triggering the due on sale clause by transferring from my name to the LLC. 

Most owners/pms will be reasonable and make the trade to avoid the time/expense of going to court.  

I knew one tenant was having a rough time, so I tried working things out with him a few times, but he just kept avoiding me when the 5th of the month came up.

You have to have 20% equity in the property to avoid PMI for conventional.