If expenses are low relative to income, the cash on cash decreases when down payment increases (10k column).

To do well, build a strong money base, keep a good credit score, and look at other loan types besides FHA.

I’m struggling to find ways to find low money down with average interest rates to purchase the rental home.

Geographically, Michigan, New York and Ohio are great states to invest in with low barriers to entry. 

They show some creative ways to borrow money or to payoff debt using credit lines but their disclaimer is to see your cpa and/or lawyer.

The downside is they usually come with higher interest rates and shorter loan terms.Partnerships or Co-signers: If your husband or a trusted partner has U.S. legal status and credit history, they might be able to co-sign or help with financing.Cash Purchases: Since you have savings in Canada, you might consider using that for your first property, especially for a smaller rehab project.Foreign National Loans: Some lenders specialize in providing loans for foreign nationals.

I have gotten pretty good with multi-families in low to low-middle class neighborhoods.  

PMI is relatively low. .2-.23 for most of my clients.

Real estate's low liquidity can complicate required minimum distributions (RMDs).

I don't charge security deposit or move in fee nor do I care about credit.