Conventional loan, 3% down, owner-occupy, 30 year fixed mortgage. 

@Joe KrugI have NEVER been a fan of the crowd sourcing platforms as many of the deals on there are people who could not raise money via conventional means so go to a platform.

Rates are low today, and if the numbers you provided are true (owe $350k and its worth $500k) you could refinance into a conventional loan, drop the PMI, improve the cashflow (potentially, rate depending) and reposition yourself.

Just Portfolio loan by each prospective rental property I buy. since I get maxed out at 10 on  my traditional conventional loans, so I am seeking out funding options to buy after I have 10 loans already on the books.

Conventional loan How did you add value to the deal?

I also work and will be using my wife income, when going for a FHA or conventional loan will the debt to income be a issue even though it is owner Financed?

I have been approved for a 390k conventional mortgage as well as a 375k FHA.

The conventional space ($5MM/$7.5MM) and up functions differently in some cases.

Conventional loan is a hassle because of all the documentation needed for existing rentals.

The borrower has a conventional loan and there will be an excess in seller contributions because it cannot go towards pre-paids or buying down the rate.