Conventional Loan with local institution.

We used personal capital to buy at auction, a hard money lender to finance the rehab, and a conventional loan to remove personal capital How did you add value to the deal?

(Owner-occupied of course).OR buy a second home using a Conventional Loan (5% Down) but it will include PMI.I have a friend who used his VA Loan to buy a $200K home last month.

Towards mid to end of 2018 we saw interest rates and total inventory rising which caused many to say correction or start of the downturn.

Purchase price was 95k and rents for 2k per month and I used a conventional 30 year loan at a 5.75 rate with 25% put down. 

When I’m looking at the cash flow statement, should I calculate vacancy loss for a vacation rental the same way I would for a conventional rental?

@Jessica RamseyFlipping(buying and selling inventory) is ordinary income that will be taxed at your marginal tax rate, state income tax and self-employment tax.Income earned through a flip is not eligible to defer the tax using a 1031 exchange."

I have some experience with real estate and conventional lending, but have never used Hard Money for a flip or buy and hold.

Yes, we have recently purchased in our own names with a HML, performed renovations, moved into it and then refinanced with a conventional lender.  

I've decided to go with a 15% down conventional loan.