I was so motivated to get my first house hack, and 2nd 4-unit property (1st one was 25% down conventional)I'm just disappointed that all the podcasts i've listened to, i've never heard them mention this self sufficiency rule... completely changes my plan, and reduces the income I was hoping for dramatically.

For a conventional loan 20-30% down would be required. 

@John Jackson The "bonus" of house hacking is using an FHA loan and only needing 3.5% down instead of Conventional 15%-25%.

I would like to refinance my interest only loan to a conventional loan in the name of my LLC but I’m hearing that can’t be done unless it’s in my personal name.

One lender told me that the banks are completely jammed up right now with conventional purchase loans and have little appetite for jumbo cash-out refis. 

Conventional Loan How did you add value to the deal?

Foreclosures are great in my opinion, but you need the cash to typically buy them outright or get a conventional loan if they are liveable. 

Don't expect Investment loans to be on the low end of mortgage prices even if its a portfolio funded loan, the risk is different than an FHA/VA/USDA/CONVENTIONAL LOANS.With U.S. interest rates at historic lows (FHA/VA/USDA/CONVENTIONAL LOANS), unprecedented Government stimulus, and the re-entry of the Fed into the agency and Government lending markets, there is now not enough capacity in the agency markets to serve a hurting America.

Stock market does not affect this asset class as much as the single family or retail... actually, it makes every potential investor lose a little bit of faith in conventional wisdom and want to put their money in real estate.

I can see how some of the ones you've linked would fit the criteria for a conventional loan with 20% down though!