Most mortgages say the lender has the right to buy homeowner's insurance for you if you don't prove you have it.

From a lender stand point this looks good. 

Let's use that as an example. 20% down is $43,000 plus lender loan origination fees, closing costs etc is going to push you over $50,000 cash out of pocket.

It is much easier to find HELOCS for your primary residence, but some lenders will do a HELOC on a investment property as well 

Research ways to use your education to help you qualify for a loan (did you know that some lenders allow college credits that translate directly to the line of work the graduate pursues to count towards work experience, accelerating the borrower's opportunity to get approved for a mortgage?). 

The lender(s) wouldn't negotiate due to the market so this put them in a big crunch.

Picking up flexible part-time jobs to qualify for a mortgage is definitely a smart move, as conventional lenders typically look for consistent W2 income.

Do you mind sharing the name of that type of loan/lender that allows you to have the seller carry on a second position?

My question again stems around using seller financing to allow them to receive a consistent monthly pay of X amount and delay/lower their tax bill in the short term instead of going through a lender to borrow 800k+ causing my mortgage to be significant part of our income roughly 40-50% of take home -  which we are approved for LOL.

It’s good to budget for unforeseen expenses.Regarding PMI, it’s worth discussing directly with your loan servicer since many lenders require holding the property for a period or reaching specific equity thresholds before removal.If market rents are $2,200–$2,500, hiring a property manager could help you optimize rent while taking the burden of tenant screening off your plate.