Remember a 1% appreciation in your property is actually multiple times more return for you depending on how much you put down.

If you are looking for 100% financing start to build an army of private investors looking for a return on their money.

In return, I get to live in one of the units for free.

to get the highest return.

I really want to take a loan against my rental building so I can buy more investment properties, but my situation is I don't have tax returns ( new immigrant and this property has only generated income for 6 months), any suggestion on which financial institution can help a case like mine?

Stated income lenders do not take in to consideration tax returns or verify incomeRates are slightly higher but not as high as HML

How'd the return numbers turn out compared to your projections?

One offer with conventional financing and another higher offer with seller financing.This way he looks at the higher dollar figure and is more appealed to that offer.As suggested - it also helps to provide pros/cons for the seller to do seller financing.He might find it attractive if he is nearing retirement and still looking for an attractive rate of return via the interest rate on the seller financed note.

and no one advertises they do 500 mil dollar loans.. so you now know that all of those guys are frauds .. and that there is no 5% money.if you want to find out current rates for Private/HMLI like to recommend Lendinghomes website it has a easily readable pricing matrix.. and of course they are real. while you may find some cheaper money.. from say Conventus .. you also need a lot of skin in the game and you need experience.. 

This turns out to be around %12 cash on cash return.