The TN focus is on adopting remote workers.

You might get these days 60% leverage so you'll likely need 40% down payment plus reserves and the financial institutions will want you to keep those capital reserves in their institution.If you are a new investor, there's a couple of opportunities to get started. 

I would be amazed, shocked even, if a traditional financial institution was willing to lend on a non-habitable asset up to 80%. 

If she's still there, institute your holdover policy. 

That gobbles up a ton of space.Fortunately, State of Arizona has created a new ADU rule which Tucson is adopting at the end of the year.

We did not rely on them and still do not rely on institutional capital to capitalize our lending business.Aloha Capital has funded over 3,000 loans since 2015 on nearly 1 billion of residential investment properties.

I will say that communication with OpenDoor is much better than that of other institutional sellers I've worked with.

Are there banks or financial institutions that would grant a loan at less than 25% down, say 10% for someone with exceptional credit? 

In the end, it is up to how the investor themselves classify the lender.HML is thought of being more "institutional money". 

I was one of their early adopters.