If you hold it for 6 months, you can pull the 75% out with a traditional cash out refi.

HMLs tend to be more relationship driven than traditional lenders for the most part.

Rent traditionally grows with inflation

I just bought a property about a month ago so I don't currently have the funds for the traditional 20% down on another property. 

For your debt to income concern: Yes, it can be a very real problem, especially with traditional bank lenders.

A few years ago I came upon a blog post or article somewhere that showed how much money it would take to buy rentals to meet the income of a traditional 4% rule retirement account.

Refinance your FHA loan into a conventional traditional owner occupied mortgage.

Traditional bank financing. 25% down How did you add value to the deal?

Most people have to use hard money lenders to get financing for flips, and once they’re complete they either sell the property (usually within a year of purchase if everything goes well), or they’ll refinance it into a traditional 30yr mortgage (search ‘BRRRR’ for more on this strategy).Good luck with your first home!

@Christian Tassinari It depends on the contract, you'll have to look at the fine print and ask you escrow and title companies what was in the original agreement.