Appraised value (can pull this from my realtor or just from internet searches) ($368k minus $68k land = ~$300k)Should I give the CPA the higher number ($300k) or the lower number ($200k) from my options?

@Yosef Lee and @Adrian FajardoSorry I was MIA--I live in Houston and we had no power for half of last week and no internet until this past Saturday--just now getting caught back up--missed a lot in my unplanned week off the grid!

Your best bet is likely going to be trying to figure out some sort of seller-financing, or bring on a partner to the deal that can supply the additional cash. 

With $20k your best bet is to house hack a duplex in one of those areas.

These tenants are so big that obviously you aren't going to get a personal guarantee out of them, but they're also such a safe bet that it's not seen as a big deal.In the smaller range of 3-5 year leases and small businesses, you don't see a lot of NNN, and you see more personal guarantees for the first term of the lease.

You bet!

for individual room rentals  I don't think work from home is big and for multiple room rentals I might try to avoid it but gamers loved having a desk too and decent internet speed.

Many in OZ did not realize all the information that could be found for free on the internet..

I made my decision based on the fact that a) $5800 for a 90-day program was something I couldn't afford; b) $5800 for a 90-day program seemed VERY fishy/scam-y/pyramid-y to me; c) after scouring the internet for information, reviews, etc about the program, I found literally ZERO bad or less than 5-star reviews about it which - to me - is a massive red flag; no program, product or service is perfect, and the fact that they are making themselves appear as such really gave me a bad feeling about the program.

You can find a spreadsheet version of this calculator on the internet that will show you the principle and interest over time in a table.