Hi Nadie,You've gotten some excellent advice here already--I would also add that most lenders have a minimum loan amount of $100k, so that could make it hard to finance as well.John

I have a personal loan with a very big branded credit card company  with whom i have borrowed 4 times (each time about 30000 USD)and paid backWill this affect my ability to buy a primary residence if I have a  recent loan of 25000 USD with this credit card company?

Let's compare the difference between down payments only, of course there’s more to the money involved and variables on interest rates and type of loans you are using.Let’s just stick to down payment as a passive investor.

I feel like they would only request that if the 401k was used for reserves to qualify for the loan . 

I am planning to use the new 5% down loan on multifamilies. 

There are many loan options in the non-QM space. 

The protection generally covers the entire property as long as you reside in one of the units.Exceptions: There are exceptions to this protection, including liens for property taxes, mortgages for the property's purchase, home equity loans, and liens for work done on the property.Given the complexity of these matters, it's advisable to consult with a legal expert in Texas real estate or bankruptcy law for guidance specific to your situation, especially to navigate any nuances and ensure your property remains protected

Minimum loan amount for us is $500k, and for Agency multi-family you must already have experience in the 5+ unit residential space.

Hi Arshiya,Typically a Hard Money Lender will look at your:Down Payment (assets/liquidity to put into down payment) - 20-30% for first time investorsProperty value and After Repair ValueRehab Plan and Timeline - detailed rehab plan with realistic timeline and budgetExperience - not necessary but helpsFinancial Strength - credit score, track recordsExit Strategy - how you plan to pay the loan off

In the loan application it asks if borrower has another debts or loans etc in process .