go with a FHA loan they do 96.5 percent financing with a 3.5 percent down payment and the rates are at 20 yr lows like 3.25 percent also with multifamily I was actually going to do the same thing and the really only thing they take into consideration is will it be owner occupied so like you said it would I don't see any problem with it but with that being said it must be 4 units or less can't be more than 4 and the amount cap that they will lend differes but is still a great amount 

Some credit unions do portfolio lending (which just means they lend their own money, not Fannie Mae/Freddie Mac money). 

I lend only to LLC's or S-Corps due to Dodd-Frank.

Private money as in credit unions and smaller lenders that do portfolio lending?

Possible discussion topics:-Lending/Financing-Legal Structuring-Macro Portfolio building-Local Investing/Out of State Turn Key productsThere are books and a plethora of blogs/forum on the Micro aspects of Real Estate however these Macro topics are better to discuss in person.

If you  can't qualify for FHA, you may try a local bank who does "portfolio lending" meaning they keep the loan there at the bank, so they make the decisions in house. 

They tell me they have $2B in lending capital.  

Hey guys this is my first time posting.

I'm basically looking for financing to buy my first SFH here in Southwest Florida. Essentially, I've been pre-approved by several lenders until they find out one thing, then t...

I have clients who bought pre sale, 20% down, but now can't qualify for the mortgage as completion approaches (they came to me after buying and we will make it happen, but they were close to assigning) and with the uncertainty, private investors aren't as willing to lend, even with solid equity in the home, not to mention the private lenders are drying up as they did a lot of lending on the private builds that were booming. 

If i quit my job I will not have lending.