Do you want real estate to supplement your income or just handle your loans?

With conservative underwriting we are still seeing upside in the 8-9 % CoC and 18% IRRs with opportunities for supporting higher returns w/supplemental loans end of yr 2 upon successful re-positions. 

Having said that, some lenders will allow you to do a supplemental loan on top of assuming the $1MM loan in the above example so you might be able to get back to a 25-30% down deal just like getting a whole new loan.

You can also use BiggerPockets as a supplement.

I would like to have multiple properties eventually with the idea that the income will supplement what I have saved/am saving for retirement.  

They were originally meant as a supplement to Social Security and your company's pension.  

My job, when talking to a potential lender, is to show how the numbers work (e.g. tax return data consolidated into my charts to supplement their PFS data) and 'sell' them on why I am worth their time.

Ex: Cashflow $500-900 a month (depending on financing) and use that to help supplement part of a $800-1200 mortgage which can buy you a lot of house in some nicer parts of Delco. 

Just some of it may not be able to be on the contract itself and instead on a supplement or a bill of sale.

I think that since the home is so cheap, my other rentals can supplement the low mortgage of that home and if the area improves I'll make better imprpvements to it.