I’m sorry that you’ve had a hard time finding a place to rent.

-Convert the vacant side to a PadSplit.

I don’t have a ton of experience, 4 units right now and actively looking for more however I would be willing to try and host something if we can get some traction to get some networking going.

I would like to ask one important question.

Typically this only makes sense if the borrower is walking into a lot of upfront equity, has rental properties with equity that they are willing to cross-collateralize (we don't mind taking a 2nd lien behind stable 30-yr mortgages), or in conjunction with other private money or seller financing in junior lien positions.We're not competitive if the borrower is just buying something off the MLS and doesn't have any other properties to cross; we'd be 25-30% down instead of the 10-15% down that you see everywhere nowadays. 

Quote from @William Hochstedler: Utah has been booming for the past decade by every metric. my kids did deposits on ski condos at Park City  NEW development and one at Brianhead and those things shot up like crazy.. they need to keep it up so they can take good care of me in my waining years.

I'm happy to refer you to a company that helped setup mine.

Ditto to all of the above.  85% is very doable with a strong credit score, strong dscr, but yes, the rate is going to be higher because of the higher leverage.

I have $35k of my own money to go towards the purchase.

This is NOT sub-to.