I don't think those are bad things and sometimes the personal decision for your ideal life outweighs the "conventional hold forever" decision.You have options, that's the best place you can be.

Looking ahead, once you secure a tenant, perhaps this is something that should be explored to make the next lease up easier.Also, @Caria Mitchell raised an interesting point in saying: We are experiencing a shortage of qualified applicants, I’ve noticed non-conventional applicants vs qualified applicants that don’t have a voucher or some form of subsidy. 

Also would charge points at origination and bump the rate up a point or twoReason being my guess is this borrower can it get conventional financing so they are a higher risk.

Dont go to the regular retail realtor who only deals with FHA or conventional mortgages like 80%+ of the people.

.- long term: there is a shortage of properties in almost all cities and in some cases and that has contributed to an increase of rents and prices in double digits in some cases. i.e Mafra 10% rent increases last year and Setubal +15% price increase.

 - Fannie/Freddie (f/f) residential conventional loan is the cheapest money available.  

Both are digital-first banks with minimal fees, and Mercury in particular offers free domestic and international wire transfers for most account holders.

I can buy investment RE but due to crazy bad DTI (far worse than 100 to 1, possibly approaching 500 to 1), I cannot get reasonable financing on an OO and not sure my co-sign will help on conventional financing.  

@Nick Cooper you can buy with as little as 15% down on a single unit property with conventional financing.

you can use a DSCR loan if your DTI is too high for conventional.