I'm going to qualify this with I'm not an expert but I do have some familiarity with the space. 1. While possible, loans where you put less than 20% down are t

I'm going to qualify this with I'm not an expert but I do have some familiarity with the space. 1. While possible, loans where you put less than 20% down are tied to very high interest rates. Most people I know in the space avoid these or quickly refinance once the cash is available. 2. Commercial loans are difficult to get for an individual investor. If you're purchasing residential housing these aren't practical. 3. Banks interest rates are only tied to the federal interest rate.