Many cities and counties have standards for a variety of things, including anything they view as a safety or healthy hazard.

If you buy real estate in a decent area with healthy cash flow (after a realistic and conservative analysis, it is difficult to go too wrong. 

Below are some additional ideas I have to come up with my 20%:Interest only debt partner with a healthy interest rate (roughly 10%) for 3 years.Using another property I have (7 Unit) as collateral.

That bothers me so much, because I really like to KNOW exactly what I’m committing to...I agree that all children TRULY need is love, but both my mom and my husband’s mom have already passed away (fairly young both from cancer), so we’re both acutely aware that time is always precious and no one knows what the future brings, so we’re all about love-filled, family adventures and giving our son real-world experiences while we’re all young and healthy, and can truly experience everything this world/life have to offer (instead of assuming we’ll have time later and then it doesn’t happen).

Thanks for the smile.

That is a healthy loss to take when someone also needs money to get into a new place to live at the same time.

Don't smile or be friendly.

Hope you have extra folding chairs.We are on a special diet called Keto, so we can only eat healthy high fat foods, avocados, fresh farm eggs, grass fed beef etc. no carbs, nothing high in sugar like fruit, or anything processed.

My credit score is around 700, I have less than 10k in debt and have a healthy paycheck as a freelance photographer.

Smith -  It may come down to the occupancy level (owners vs renters) in your particular complex, and the state of the HOA (do they have healthy reserves).