Hi Zhenyang It sounds like you are looking to determine which kind of loan will allow you to afford a higher price point based on a $1.5 Mil down payment? 

Everywhere I turn all I see are pitches for affordable housing and the same (not so) compelling arguments regurgitated by syndicators, capital raisers, brokers etc. for the investment strategy....strong returns...lower volatility....supply (huh?)

This week, the City of Jacksonville Municipal Court ruled in favor of PadSplit, voiding citations for "illegal boarding houses" on constitutional and fair housing grounds.This marks a huge victory in expanding affordable housing solutions while navigating legal challenges.

I am well versed in pretty much every facet of Real Estate: house hack, LTR/MTR/STR, multifamily, and fix and flips primarily.Aside from that I am also (somewhat) a serial entrepreneur, having started and sold multiple business' over the last 15 years.I also meet with 20+ professionals every week, through referral groups, meetups, and just 1 on 1 sessions trying to get to know people and make connections.I would love to chat with you if you are looking to meet people and get more information about real estate in San Diego!

Those that could afford the huge mortgage bought a primary, built ADU and did STRs or MTRs in S.F.

Miami Rental Market Update: Rents Drop $200 as Affordability Remains a ChallengeMiami has officially ranked as the second-most unaffordable city in the U.S., but there’s some good news for renters: local rents have dropped to a 3-year low, with decreases of up to $200.

When a developer can't obtain subsidies for their affordable housing projects, do they just wait until the next round of subsidies availability? 

If they or we have those,  we can do and achieve about anything.Most people could afford this easily by trimming their budgets. 

He’s multi faceted.

That is if purchasing EXISTING performing investment real estate AND have very good clarity of every facet of the transaction ESPECIALLY reasoning for seller selling, AND you have decent market intelligence.