My experience is the min is around 15%, but I've read some posts on BP that some lenders can offer a lower minimum (but that usually means a higher interest rate).

See the map below for where these zip codes are located.Note: The following charts only include properties in the above zip codes that generally match our property profile: single-family homes featuring 3-4 bedrooms, 2-3 bathrooms, 2-3 car garages, 1,100 to 2,400 square feet of living space, 1 or 2 stories, and lot sizes ranging from 3,000 to 6,000 square feet, built on or after 1985.Appreciation10-Year $/SF by Zip Code 2015-01-01 to 2024-12-31From the above charts, these zip codes appear to appreciate the fastest among our target areas (based on annualized growth rate)89032 (North Las Vegas), 11.0%89015 (Henderson), 10.4%89143 (Centennial Hills), 9.9%89031 (North Las Vegas), 9.8%89138 (Summerlin), 9.4%89141 (Blue Diamond, Southern Highlands), 9.4%89128 (Summerlin), 9.3%89123 (Silverado Ranch), 9.1%89129 (Northwest), 9.1%5-Year Pre-COVID $/SF by Zip Code 2015-01-01 to 2020-03-01The COVID market frenzy and the subsequent dramatic rate hikes significantly distorted price and rent trends.

For most of the 1st year I house hacked and rented out my 2 spare bedrooms, for 6 months that covered the mortgage.

It says it has 6 bedrooms, wow! 

My wife and I thought we had an easy opportunity for a double (baseball analogy) with a flip home in Lakeland, TN we were able to get well below market this past summer.

I have a 3 bedroom 2.5 bath and was thinking of rooming 2 together since I know a private bathroom is a must when rooming with a stranger. 

Where you fall in that range will be dictated by bedroom count per unit and the quality of the area/building itself.

I believe it is completely reasonable to have a clause in your lease that places a cap on utilities with any overage (proven by a bill) being the responsibility of the resident.Our clause states that any electrical bill (we don't have gas, and water has never been a problem) that is over double the same month's bill from last year will have the overage assigned as a fee.It is important to keep your bookkeeping straight if you do assess a fee.

You need to double check underwriting, conservatively project disposition, and stress test the metrics.

for double closing you would need your funds to buy then sell it to end buyer at premium. there are transactional funding companies that can lend the cash for a fee.