HI all, What are the some non-traditional value add on 21 units?

Here in Canada, both commercial and residential mortgage have terms less than 10yrs ... the most common being 5-years, so "balloons" and renewals are the norm.As Omar indicated your primary concern should be running your business as efficiently as you can and maximizing the revenue stream.    

I own 2 condos in the same building (~$150K value each) in Logan Square, one is financed through a local bank that sold the property as a foreclosure several years ago and the other we paid for through a HELOC on our primary residence. 

From my experience, insurance rates on rental properties are higher than primary residence.   

Traditional financing is not an option, one reason is need to wait 7 years out of discharge, and my husband recently left the rat race and started his renovation business. 

Last summer I purchased two seller financed properties in addition to the 3 properties I own with conventional financing.I currently do not own a primary residence.

I am being 100% honest in what I am about to type: I bought my grandpa's house two years ago, and lived in it as my primary residence for 2.5 years.

In 2012 we moved back into our Evans, GA house and lived there as our primary residence until 2015 when we moved into our larger "long term" home as we decided Evans would be our final stop after retirement. 

Then, on the next purchase of a primary or 2nd home, take 10% from your HELOC and for an 80/10/10 on the purchase using another purchase money 2nd.Basically it 100% No PMI financing, better than a VA loan.   

We are getting ready to take a HELOC out on our primary residence.