Lenders assume more risk with a higher loan-to-value, so to compensate they'll charge more in points, loan level price adjustments, etc. 

Never put all your eggs in one basketread the PPM and documents and have an attorney review understand what your investing in, fees and hold Timeunderatand their track record a lot more to consider those are just a few 

If it puts stress on your marriage, work to find common ground.

The 25k would do fine in a stock index that suits your risk tolerance.

There are high risk and low risk strategies in both stocks and real estate.

If your first investment goes South you run the risk of putting your home in jeopardy.

I would look for a low interest line of credit to put on the property and lend at a higher interest rate.

They have to present the offer whether they like it or not.On the other side of the coin, the Realtor is probably advising their client that seller financing incurs more risk to the seller.

FNMA does have limited allowances if the LLC is whole owned by the borrower. https://servicing-guide.fanniemae.com/svc/d1-4.1-02/allowabl...There's really only three reasons to put your SFR properties under an LLC:1) A DSCR lender requires it: just setup the LLC correctly.2) Anonymity: In Michigan, you can create an LLC with a Registered Agent and use their address to hide your ownership. - Have seen many investors create their own LLC and use their name & address:(- Only works if you put a property in LLC when you purchase.

Structural engineer is definitely first step as Mason mentioned.It totally depends on liquidity, risk tolerance and time.