Is there a way where there is flexibility to the % allocation of income/expense? 

Diana,I think the most important thing as an investor is to be flexible with your strategy.

We are very flexible and would highly appreciate any suggestions or recommendations you might have!

This will be subordinate to the existing FHA loan, but you’ll need to qualify based on your credit score, income, and debt-to-income ratio.Home Equity Line of Credit (HELOC): A HELOC could also be an option, offering flexibility in how you draw and repay funds, though it might come with variable interest rates.Balloon Payment Loan: This type of loan can offer lower initial payments with a large lump sum due at the end of the term.

@Ernesto, I was conservative with increases at first and my renters were flexible with me as I did the remodeling with them in the units. 

The flexibility of live-work spaces may be particularly attractive in the current market.

The regulations only apply to stays less than 30 nights, so think most furnished rentals would just go mo. to mo. and seek a rental premium for being furnished and flexible term.

She'd have to invest some money to create this set-up. 3) Selling doesn't make a lot of sense, because in this market, she'd end up paying the same for a small place, condo, with less flexibility. 

The flexibility with commercial loans is amazing.

They seem to offer more flexibility when it comes to financing deals.