Conventional 20% down 80% financing mortgage.

We had the cash but not the income, so we used a conventional loan, 80 LTV 30 year at 4.12%.

Right now I am unable to pay cash so I will have to get a conventional loan.

I came across a property that is right now for sale 200k 13 unit property, and I came to about 4-500k all in with repairs and renovations I would like to purchase this property but I know my funds would come up just shy of being able to afford this if I went the conventional route.

Going forward, stay away from conventional lenders and the SBA with hidden fees.

Also any questions you'd be asking yourself would be a big help too.Additional context:- buy and hold w/conventional 5% loan;- refinance w/in ~24-months > move and repeat processThanks in advance!

Tell the loan officer what you plan to do, what type of down payment you have, and what kind of loan you want (conventional, FHA/203k (house hack) etc.).

The IRS doesn't care if you bring your own cash to supplement or if you take conventional mortgage or hard money. 

If you're planning to sink $30,000 in rehab costs into the property up-front, I'm guessing it won't qualify for a conventional loan right away, and that you'll need to initially borrow from a hard-money / portfolio / private lender at a (much) higher interest rate, and then refinance once the property qualifies for a conventional loan.Lastly, nice job being thorough in your expense itemizations. 

Many of these are non-warrantable, meaning the percentage of investors is high and you can not get conventional financing (though you can find portfolio lenders).