On the rental side, say you take a loan on 150k (75% LTV) at 7.5% rate.

The 15% DP is financed through our private money lender. 1 year loan ($150k) at 5%.

We found a property that we like a lot and was getting ready to pull the trigger on it but wanted to know what would be the best strategy for us without going the conventional loan way or FHA way due to having to; 1-having to put down 20% for conventional and 2-having to live in the property for a minimum of 1 year with the FHA.

This, I feel, is the least you could do in a subto deal if the loan remains in the seller's name. 

Are DSCR loans on motre than 4 units possible with no seasoning of DP? 

I know several lenders that'll do a loan in your LLC, but it'll be a debt service coverage, ratio loan or dscr.

Also what do I need to get a loan?

They offer unsecure loans, not using any collateral. 

Loan gets cancelled.2. 

Hey Charles, conforming loans will not allow you to close in an LLC.