If so, do you know a way to avoid the high cash advance fees/rates? 

To mitigate this, I've devised a plan that involves leveraging my primary residence.I've been residing in my current home for the past five years, which I secured at a very favorable interest rate.

Or perhaps a foreclosure HUD is selling on hudhomestore dot com.On 203k you can buy with 3.50% down and get a seller credit for up to 6% of the sale price toward all closing costs and some of it can be used to buy the interest rate lower as well.

So yes, its very possible to use a conventional loan to buy an investment property...but you aren't going to get owner occupant rates/terms.

Arguably, a PM company is going to have these trades available at a cheaper rate (theoretically) due to scale, but the PM company is also probably going to mark it up, so it ends up costing about the same.

As for the electric heating bill baseboard electric is expensive and I know RI energy jacked their rates so you can't be much different.

Hey Seth, If you have a good FICO, Loan Amount is above $250k, and property DSCRs at 1.25, You may achieve a rate at the high 7s at 70LTV on a 30 year fixed loan. 

Hey guys, im located in Phx,az and would like to invest on my first property here, I would like to know what are my options, I am self employed and bring in about $4k a month (mostly cash )no paper work to trace my earnings (im in the car selling business)  , experian score 630  1 delinquent acct but it was paid off many years ago, Ideally i would like to put down $10k to $15k tops, what interest rate do you all think im looking at.

@Vy Lewelcome. i'd read this:https://www.biggerpockets.com/forums/48/topics/1159104-overl...it's gotten especially challenging to invest OOS with prices AND interest rates both so high. 

On the other hand, I am locked in at a 3% interest rate on a home that will likely continue to appreciate well.