Conventional, owner occupied, 5% down, during historic lows for interest rates.

However, commercial debt has a lot higher fees than conventional financing.

This whole thing seems like a lose lose for a small time investor like myself.Both of my mortgages are financed one is a commercial loan and the other is a conventional through a local bank both were bought as investments never occupied or did FHA.I have cash reserves to last me a while but I really have no idea what to even expect at this point or even how to go about this.

You can get conventional financing on those and build valuable skills then go after larger buildings as you grow.- Read the ABC's of Real Estate Investing by Ken McElroy- Find a mentor that has done multiple deals and is willing to help you evaluate deals that you come across.Best of luck in your journey!

I use a conventional loan to close.

I will add his name later after I make sure that is ok.It was a conventional 20year loan.

I'm looking for the 5% conventional where I can live in it and flip it, but they wont approve me for the mortgage.

My plan was to purchase the property with a 20% down conventional loan and rent out the property.

Conventional financing How did you add value to the deal?

The ditches and flower beds are never cleared.