Purchase price: $205,000 Cash invested: $27,112 Bought for $205,000 in the Maine-Endwell school districtMonthly rent (pro forma with 3 month stabilization) $4,800Taxes: $9,238Insurance: $2,642Gas/electric: $0 Water/sewer: $2,451Total expenses: $14,280 I used a conventional 10% down.

.- I was able to get access to private investigator software to find the true owners of these properties since conventional skiptracing produced poor results.  

Conventional loan with builders mortgage.

For example in wildfire areas here, buyers aren't able to get traditional homeowner's (or rental dwelling insurance if an investor) insurance and conventional Fannie Mae and Freddie Mae loans.

If you sell your current primary conventionally, you can take that 1.3M to buy a new primary with cash, then have the leftover to invest, but you won't have the income from the owner-carry note and your cash won't go as far on an investment property (>15% down) as it would on a primary (5% down).

I had to get a conventional mortgage instead. 

To buy a multifamily property without a large down payment, explore financing options like FHA loans, VA loans, and conventional loans.

This is my first time going non conventional.

You can find a rental property and secure it via conventional loan or dscr, either way both you’ll need around 20%, and let it do its thing until you get back stateside.

Are those rates for FHA or Conventional?