We are doing this with a portfolio lender and paying a bit of an interest rate premium as we are over the limit for Conventional financing. 

Regarding credit, per mortgage qualification, you need a score over 620 (conventional) or 580 (fha).

The question is, should we try to move it to a conventional loan once we're able to (seasoning period and such), or keep it with the bank? 

We used hard money for the loan with interest only payments for six months, which we will then refi into a conventional commercial loan. 50/50 with a partner each of us invested 42500 for a total of 85k.

While I don’t expect double-digit mortgage rates any time soon, I do expect mortgage rates to follow Treasury yields higher as the combination of abundant supply and concerns about inflation, mean that investors expect higher returns.

The 90% first was financed conventionally. 

I currently own a townhouse that I bought 2 years ago (just under my name) using a 30 year conventional loan.

Unknown duration of return.Not sure how many conventional banks/mortgage companies or lenders will consider such a customer. 

Digitization and tokenization will transform the purchase, holding and sale of the real estate property.

When would it be wiser to use a conventional home mortgage than a product like this?