He has a conventional mortgage at 3% and sadly it's not assumable.

Quote from @John Underwood: At our 3 bedroom Lake House we have both.At our 6 bedroom Pigeon Forge Cabin we have 2 drip coffee makers and don't have a Keurig.So I agree it depends on your property. seems to me coffee pods would be much cleaner and easier on the host ? 

I buy lighting off amazon and splurge at $300-600/unit.

that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Why is your mortgage cost so low at only $44k/year?

I need some general advice, I'm 19 and living at home.

It's one thing that I don't think should be negotiable at all or collaborative.

Perhaps at their work or facebook marketplace, craigslist? 

I have used DSCR loans to get 14 other properties and an additional two under contract so I've always been able to find the 20% but I am stuck at the moment. 

Why not look at things like triple net or industrial?