You put 10% down and you borrow $90,000 from the seller and make those payments (at 5% amortized over 30 years).

If/when the borrower defaults, they file the Deed in Lieu as a way to circumvent foreclosure regardless of what the borrower wants or the circumstances.

If/when you raise the rent, and depending on how much you borrowed to buy it, I would expect you could do a cash out refi to recoup some of your capital. 

Quote from @Pearse Cafiero: You want to borrow money to buy a house, but you don't have the downpayment.

Quote from @Vince Scipione: Yes, they are a popular choice where I live and work, however with the ever fluctuating cost of oil heat, many people have swapped over their boilers/furnaces to what is called a "Propane Gun" essentially it is a device that is affixed to the front of the furnace/boiler that injects the propane and ignites it.

be smart make the right choice

And it's the borrower who gives it.

Visiting parents and college sports fans are coming to town no matter what, so the key is making your STR feel like the obvious, no-brainer choice.

If you don't like Dave Ramsey then we can look at Big Bang Theory where Penny borrowed money from Sheldon and even though he didn't care about what she was spending or when she would be paying him back, every time he said anything she thought he was grilling her about that. 

But if borrowing costs remain high and interest rates don't fall as many people expect, cap rates will have to decompress further.