Recourse 30 year term 7-8% rate if property is ready to lease 20% down FICO high desirable location, investor knows what they are doing.Non recourse priced like hard money shorter term 24 months- 5 year term rates 11%-22%  some are only 50% loan to value or half down payment from your fund. 

Hello All,I'm fairly new to this method and analyzing a deal.

However, 25% down payment requirement radically reduced my target price in the market and some lenders advised me to consider the primary house loans option.You made a great point that if I actually want to get a primary residence loan in NYC (for example), it would look odd that there was no actual moving history on my record.Thank you for point that out.

., utilities, insurance) to minimize manual data entry.Schedule automated reminders for upcoming payments to avoid late fees.Implement Vendor Management Practices:Negotiate vendor contracts to secure favorable terms and pricing.Regularly review vendor performance and explore cost-saving alternatives.Regularly Review and Adjust Budgets:Periodically review and adjust budgets based on property performance and market trends.Factor in unexpected expenses by maintaining a contingency fund.Train Staff on Expense Tracking Protocols:Provide training to staff involved in expense tracking to ensure consistency and accuracy.Establish clear protocols for expense reporting and reimbursement.Document and Analyze Expense Trends:Document and analyze expense trends over time to identify areas for cost reduction or optimization.Utilize historical data to make informed decisions on future budgets and expenditures.Stay Informed about Tax Deductions:Stay informed about tax deductions related to property management expenses.Consult with a tax professional to ensure compliance and maximize tax benefits.Conclusion:Effectively tracking expenses is a cornerstone of successful property management.

I am familiar with STR, MTR, the BRRRR method, "House-Hacking", Fix-n-Flips, and traditional long-term buy-n-hold strategies. 

As for the second option, the 25% down payment is substantial, potentially straining your liquidity.

A couple that people use:HELOCcredit cards at 0% for a year401k loanThe BRRRR method in general 

When considering a house hack deal, you need good estimates and knowledge of what your are looking for your monthly payment to be, what that payment will be before deductions (gross rents), what your monthly deductions will be, and what your net rents will be.

Also, the program is not in place to allow you to get an investment portfolio with no down payment using VA loans.When interest rates are relatively low as they used to be between 2018 - 2021, you could get a VA loan for your residence, get PCS'd, keep the loan, rent out the house, get a new loan at the new station and if you get PCS'd again a few years later, you would refi the original first loan, unless you still had enough eligibility versus the maximum loan amount the VA is giving.

Typically DSCR still require some down payment and greater than 5% but again it depends.