Mine as well use up all your conventional possibilities before going straight to commercial, as the terms are setup to favor the banks as usual, and not the business.

Are you open to going non-QM or are you really trying to stick to a conventional Fannie/Freddie Loan? 

Maybe you could refi using a conventional loan with out any of the perks of owner occupied since you won't be living in it before the refi.

Being out of state purchasing with a conventional loan would not be approved because there was a lack of income history for 2 months within state.

Being out of state purchasing with a conventional loan would not be approved because there was a lack of income history for 2 months within state.

Not having to keep them and rehab properties myself keeps inventory cost low enough to be able to sell investors significantly higher returns that TK providers, which is where my competitive advantage lies.

Hi guys, I have been purchasing rental properties in TX and GA using conventional mortgage, but I'm thinking at some point in the future I want to purchase my own primary residence, and afraid that if I keep buying rental properties and maxing my leverage using my W2 income I will be too levered to buy my own residence.As someone that recently started out, I use conventional mortgage because of the lower interest rates and my lender doesn't charge me any origination fee (although not a fan of 25% down on small multi).

Refinancing your primary residence using a low interest conventional loan could be a good way to access some cash at a low cost, and then you can use that to either purchase an investment property in all cash, or use the cash as a down payment for an investment property loan.

-It takes me 3 months to rent the place out after closing, at which time I want to refinance the home into a conventional mortgage.Questions:How would the bank look at this from an LTV scenario?

Also looking for perspective on market inventory, as I want to keep that in mind as well in terms of over/under supply.