Just how market is for this type of lending if you looking at conventional 30 year fixed.  

Some private money had programs for purchase price plus repairs after a cash purchase but I am outside of required timeline.Can complete out of pocket and refi when seasoning hits a year in July.Commercial lender doesn’t want to do while down to studs, neither does conventional obviously.Read articles about velocity of money a few months too late.Not asking for lender referral rather if there is a type of lender out there that handles such a situation?

Would it be possible to do a mix of a conventional mortgage and then some seller financing? 

If they weren't prohibiting conventional loans they may be trying to steer a purchase to a homeowner especially if they have a stated period where only loans from homeowners will be accepted.

HML to start and will finance out with conventional 4% rate How did you add value to the deal?

There's tons of people on conventional loans that airbnb their houses when they go on vacation or just aren't in town. 

It hovers around 6-7% as of 2019 so I changed my vacancy rate to 7% I upped my CapX from 7% to 10% like you mentioned.No this would be a conventional loan non owner occupied non FHA.

So, I would plan for owner-occupied conventional mortgage. 

I want to grow exponentially but I’m hesitant to keep buying with 20% down conventional loans (which is what all of my properties were bought with).

I want to grow exponentially but I’m hesitant to keep buying with 20% down conventional loans (which is what all of my properties were bought with).