Would like to know if anyone knows of any lender options for 20% town instead of the usual 25%.

It's definitely not a college town by any means. 

Is it in Kansas City or some other town?

There aren't many choices out as far from town we are. 

Also, make sure student housing is permitted in the area of the city/town that you are investing in. 

Anyway, thanks for the note  I hear you on reducing stress, not sure of your age, but I won't 'go there' on the stress and quality of life side of things....I'm more patient than I used to be for sure.As far as what could be next - sounds incredibly non sensical and irresponsible - yet, move it all including yourself to a Colorado ski town.

With a mix of residential and commercial developments, it’s an attractive option for multi-family investments.Zionsville: This charming town northwest of Indianapolis features a lovely downtown area and is recognized for its strong sense of community and top-notch schools, making it a desirable place for renters.Avon: Situated to the west of Indianapolis, Avon is rapidly growing and offers a variety of residential options.

I've been pretty successful doing that and have done so in different parts of town here over the years.  

Every extortion attempt I have experienced in Baja has happened North of Ensenada.Beyond Ensenada are cool things like wineries (I do not drink wine), La Bufadora and its blow hole, great little fishing villages, Gurerro Negro and Scammons Lagoon (best whale watching on earth), San Pedro Martir (least visited forest region within a day of San Diego and has the twin Picacho del Diablo peaks and the national observatory), numerous Missions in various degrees of condition, hot springs, party towns (San Felipe), surf towns, snorkel/diving (anywhere in Sea of Cortex in Baja Sur), Sand Dunes (Baja races), etc.My worse theft south of Ensenada has been some bottled water.So the question is why Rosarito? 

I am hoping to house hack again either in the same town or one closer to where I work.