I was hoping to put as little down as possible, and then refinance into an owner-occupied conventional loan once it's built.

For #1, I will likely use my agent and their team to help me close on a deal and be my ears and eyes on the ground, same way as I have approached conventional financing. 

Ran the numbers at full ask and lowest the rents could be only calculating 3 of the 4 rents as we would live in 1, not sure if a hard money lender would be the best way to go about or if a conventional could work as we are both first time home buyers? 

My issue is that my debt to income is too high to secure another conventional loan.

Originally from Lynchburg, VA, I’ve made a home for myself in the triangle area and am looking to invest in real estate as a way to break from conventional models of what “purchasing a property” should look like.

@Ron SinghI’m pretty sure I’ve heard the max you can buy with a conventional mortgage is 10 properties, then you need to get creative with financing.

For debt service, I would use at least conservative 75 LTV(25 down) 6% IR a 25 amortization for multifamily on a conventional term to get an understanding of cash flow after debt and calculate cash on cash. 30-year amortization is likely but it depends on the location and it's a case by case.

You will need 20% down for a standard conventional loan.

For debt service, I would use at least conservative 75 LTV(25 down) 6% IR a 25 amortization for multifamily on a conventional term to get an understanding of cash flow after debt and calculate cash on cash. 30-year amortization is likely but it depends on the location and it's a case by case.

Conventional Loan?