Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.

lastly there are plenty of locks you can put on these switches or covers which you should invest in. 

Profitable months cover non-profitable months, so budget and expect it.

I know taxes and insurance have gone up a lot in that time so I understand that problem but the solid rent increases in that time have been able to cover most of that (at least for me it has worked out).

Hello everyone, I purchased my home two years ago, and currently, I have a tenant renting a room for $800, which helps cover my mortgage.

Maybe Airbnb it a few times, cover some expenses. 

But, it covers enough of the basics.Again, believe what you will.

I am currently house-hacking in a new property where the rental revenue is able to cover the full mortgage and then some.

I get an insurance policy for each guest so if they break anything, I feel covered.  

Another option is to explore private lenders or HELOCs to cover the equity.