Is seller Financing a better option versus using the FHA loan to find a property?

We put 3.5% down on a conventional loan.

@Kyle StewartIf you have loans on these you are going to spend tens of thousands in legal just to get an agreement together that the bank would approve.

How would that work if the property is being owned by two unmarried joint tenants with rights of survivorship, with only one person on the original loan?

Yes you need 20% to get a commercial loan.

I know when I get a loan they give me all these disclosures and forms to review.

If you have enough stock that you don't need to sell all of it you could try to find a brokerage(you would have to transfer the stock to the brokerage)/bank willing to loan you money on the portfolio. 

On the one hand, floating rate loans are "normal" in this space.On the other hand, when rates are at a 50 year low ... where the heck do you think they are going to go?  

@Khalid Bryan another option if not affordable rental properties is if you would like to try the BRRR method I would look for properties that are not moving ready or maybe the condition prevents them for qualifying for an FHA loan or low down conventional loan, and do the necessary repairs to make it safe to live in clean and fresh.

Hamp,When you say 3 VA loans, was that because your combined purchases were below your VA loan threshold, or was it that your rental income paid down the VA loan opening that money up for use again as a new VA loan?