@Gary Ryan Herndon Your HML is not Allowed to lend on an owner occupied property…this is what he’s trying to prevent from happening.

Most direct answer, if you live in Tennessee and are buying a SFH, and are willing to personally come to California on vacation once a year (such as when the short term rental isn't occupied by others on vacation who are paying you for the privilege), 2nd homes can be acquired at 90% LTV.Checklist here: https://selling-guide.fanniema...But, for a traditional long term rental, if that is your intent in your heart of hearts when you sit across from the notary who will take your fingerprints, no there are not.

If all three units are filled, you won't be able to do an FHA loan, that's owner occupied only.

The one downside is that population loss is a warning sign...if you are a long-term investor you could lose tens of thousands in appreciation...but you still have debt paydown and equity build...and once that 6-unit is paid off and fully occupied the number will be dreamy.I think the more important question is the strength of your team...mainly your property manager.One thing you should consider is working with housing choice voucher tenants...my city is 80,000 units short of demand right now...this trend is growing across the country quickly....a waitlist for tenants paying market rents can be a very good thing in a declining city

The owner occupied reduced down payment program on conventional mortgages can be repeated over and over. 

Hi, I am assisting my father to retire and sell his property. Currently he owns a motel, and will have a big capital gains on the sell of it.  He would like to do a 1031xchange into another property- does it need to b...

You mentioned you were looking for financing on a single family, "non" investment - will this be your owner-occupied, primary residence?  

;) I plan to owner occupy a 2-4 family in central MA; Worcester and surrounding. 

FHA, so you plan on doing owner occupied?

Fha can be 3.5% down for up to 4 units....1 unit you occupy.Conventional...15% down on 2 units, 25% down 3-4 units...occupying 1 unit yourself.