when the OP said the bank is WILLING to take 91k to me that means or infers a default situation and a discount..

I have spoken to both a mortgage banker and a modular cabin company and explained our situation.

Another thing to consider is your goals for this first house hack and your living situation.

The tenant base is generally 95% single women with 2 to 5 kids and they flat destroy houses, Not on purpose  most of the time but if you have children all below 10 years old they are just brutual on houses even in the best of situations of which single parent with multiple baby daddys is not the best of circumstances.. full stop.

Nicholas, When vetting a syndication, every investor will do it differently because every investor has a different risk tolerance, comes from a different financial situation and has different financial goals.

It sounds like you are missing a conversation with the tenant to understand the situation.

China manipulates there currency and the situation to gain from such trade imbalance.

Or what some of the more experienced investors on here would do with my current situation. 

You can take a deep look at the deals and get an idea of the kind of variety you'll see and come up with your own due diligence method (that meets your unique situation).

I have been in this situation before and having documentation to send Airbnb helped win my case.