So, this is more of a fix-and-flip model (I have a full-time W2 job)...My terms are a combined 80% LTV on primary residence and 75% LTV (purchase price) on investment with the option of a add-on rehab loan that works on a draw schedule.

The lender will look more at the property, the liquidity and combined net worth of all the partners buying and reserves left after down payment.  

I am debating between SFR and Multi ,what are the advantages and disadvantages in each as a low budget-first time buyer.I want to purchase my first property, and I wouldn't mind combining it as an owner occupied property.Interested in Los Angeles area since I am working here, can do some renovations, and manage the property myself.The budget is roughly 150,000-350,000Please adviseThank you !

However, it would be a great turn of events if the combination of the two would allow combined resources to produce a better algorithm to formulate a more accurate price range.  

That combined with low interest rates and it becomes a hugely dominated seller's market.  

IMHO you could not do a lease/purchase because that involves a lease in combination with an option to purchase.  

Wouldn't you want a primer on a combination of old paint and bare wood?

Hey @Chan Khim, I have a couple comments on your post...1 - You can try to get unsecured loans for a down payment, however you have to disclose this source of funds to the bank for a mortgage and they more likely than not will turn down the loan.2 - Back before the housing crash, banks would lend up to and above 100% and would also allow CLTV (combined loan to value, i.e. 10% from bank 1, 10% from bank 2 and 80% from bank 3) to meet or exceed 100%.

He does a combination of contract assignments and wholesale deals.

I have a combination of delinquent tax owners and driving for dollars.