Completely different process and loan product. 25% down is likely light, but it's market dependent. 

I would do the following, at a minimum:-request that he complete your rental application (hopefully you have a thorough application),-request identification documents (government-issued),-require that he provide you with proof of his visa status and the authorized length of stay,-verify his employment, income, and financial stability, and-contact his previous landlords for references.If he cannot satisfy these application requirements, do not approve.

Screening for financial stability and rental history can indicate whether a tenant is likely to fulfill lease obligations responsibly.- Legal Compliance: Tenant screening helps property owners comply with fair housing laws and regulations.

But I'll stay in my box.Notes: * - My investing: generational (long-term 20+yr) rental holds, "starter home", 1978+, SI (Stability Index) > 90, CI (Confidence Index) > 90

You could do a HELOC (Floating Interest), Hybrid HELOC (Fixed at EACH time of Draw but the draw rate is based on the Interest at the time of Draw), or a 2nd Mortgage (Permanently Fixed at Origination)I prefer Hybrid HELOCs as the rates are fixed at the time of draw and that stability allows you to plan for the future. 

https://kellerink.com/products/the-millionaire-real-estate-i...

Many people on this site only are interested in a specific geography.What type of product are you looking for? 

My experience was getting my personal credit utilization high as I bought product for my business, and subsequently my FICO went low; therefore financing was increasingly difficult. 

I'll hold onto this property for another year or so to see if it stabilizes and if the appreciation will outweigh my costs. 

I am curious what other products / mentorship programs I am going to be pitched.