Quote from @Michael Gangemi: @Heidi Thompson PadSplit is an amazing product!!

I’m struggling to find ways to find low money down with average interest rates to purchase the rental home.

The Bissell products are at the top of my favorites. 

I've not invested with 5S so I can't comment on their product and management specifically but I can say for build to rent, if you’re considering this, ask yourself: Does this fit your investment strategy and comfort level?

The home is above average for the area, but rental demand has been tough.

Event with all that the sale prices have been over the list price on average close to 1.5% over, which would seem a bit counter.If rates end up dropping a decent amount at all the prices could rocket even with inventory growing again. 

https://store.biggerpockets.com/products/start-with-strategy?

More than likely, the loan officer on your file either A) didnt know their own product very well, or B) glossed over this aspect in order to get the loan to closed due to a lack of integrity. 

On average, U.S. companies last only ten years.

Or you’re not budgeting for a great product and will be obsceleted in the near future.My team provides all the above without hefty consultation fees like many STR experts/gurus do.