We bought the place 4 years ago for about $1.3 million with a $650000 new first, 15 year at 4% fixed (btw, no personal guarantee on the loan because 50% LTV/LTC).

I am  finding lots of evidence of this elusive loan product around the BP forums, but have yet to locate a lender who will offers this loan type. 

Of course that would change if there was a screaming deal where the numbers absolutely positively worked.My first house had a loan at 18% so the Int Rate alone is not a deal killer, but you gotta be careful because it will suck up your profits real fast.Can you sell the duplex and free up $150k cash?

Purchase price: $134,000 Cash invested: $44,280 This was a perfect house hack with buying a home as a primary residence using a 10% down conventional loan and renovating while living in it for about a year.

I don't want to get into a loan paying double digit interest.

Purchase price: $134,000 Cash invested: $44,280 This was a perfect house hack with buying a home as a primary residence using a 10% down conventional loan and renovating while living in it for about a year.

Our lender friend is making money off the split in profits rather than on the interest of the loan.

Hey Faiz, It will depend on the type of loan you do.

We got a bank loan.

If so, now I'm seeing lenders willing to do DSCR loans of 75% LTV, so then would I switch to say 75% Rule for analysis?