I have a lot in colorado that I'm interested in builder a spec home on.

I have brokers in various states where vacation homes run into deductible issues, HOA reserve issues, litigation, just to name a few examples.

It could be Crazy Investor Loans - giving loans on investment Real Estate packaged by Wall Street (think about the Stupid Loans they gave to Home Owners - So why not Stupid Loans to Investors eventually - just a thought. 

There is low inventory everywhere and regular home buyers are buying the homes to flip, pushing the prices way up.

So I have a friend who has taken some serious steps to develop a subdivision: 100+ home sites and a few commercial properties on about 50 acres.

Preliminarily, I have looked at Spindell Homes, but not sure if they would build a fourplex.

We purchased the home on 4/4/2022 for $290,000, invested $20,000 in renovations, and sold it for $390,000 on 8/10/2022.

The city's diverse economy and relatively affordable home prices contribute to its market stability.

I've heard that the down payment percentages for investment properties can be higher compared to primary residences.Specifically, I'm looking for insights on:The typical down payment percentages required by conventional lenders for investment properties.Any differences in requirements for single-family homes versus multi-unit properties.Experiences with different lenders and any recommendations for those offering favorable terms for investment properties.Any tips for negotiating better terms or finding lenders with more flexible down payment options.For context, this will be my second property, and I have a good credit score and a stable income.

We purchased the home on 5/18/2022 for $165,000, invested $35,000 in renovations, and sold it for $245,000 on 8/19/2022.