As far as 20% down, I am not sure but I believe this is more or less consistent with the US because I don't believe banks will normally lend on rental properties for less than 20% down unless they are owner occupied.

Here's what I find most interesting.Section 29-35-103(2)(b) of the ADU law says Colorado cities can NOT "require an ADU or any other dwelling on the same lot as an ADU, to be owner-occupied."

I also only lend on non-owner occupied properties. 

Is it vacant or tenant occupied?

Your current home is in a nice neighborhood and is mostly if not all owner occupied (based on your estimate rents $4,500-$5000).3.

With most furnished properties renting for more than $2,500, MTR seems to be a way to significantly increase cash flow.WeaknessesEnsuring that the property is continuously occupied will largely depend on factors such as the unit, its location, furnishings, and related marketing materials.

House hacking is a good strategy for getting started if you want to owner occupy.

Baht is going to take a beating the next couple of years too I expect.Maybe Japan. 

However, he gives you all the real-estate-feel-good info that you can get from biggerpockets and the internet or a book or two for the low little price of $10,000 of your hard earned money (that is better spent on an FHA loan as a down payment on your first owner-occupy multi).

Also review similar STR close to the property you want to buy to see what their charging and plan for 15 days occupied to determine your break even.