We're in the business to make money right?

I ended up doing that in 2021 and found properties that have made me money rather than costing me money every month. 

As you may have found in your search, there are lenders that will lend up to 80% of the appraised value on investment properties and don't require an appraisal.Let me know if you'd like me to point you in the right direction.I have not; I'm still working on acquiring my next house hack, but when I need it, I'll probably use a combo of hard money and margin loan.

This practice also frees up more money for lenders to use to fund additional mortgages.In "non-conforming loan" world, anything goes.

Instead they go about it a** backwards and add more red tape and more complications costing the city and it's residents more money

When I did my research for buying my properties in Costa Rica, I had one of the big STR management companies like Evolve analyze my potential profits and I used that info to raise money through bringing on partners to buy the properties. 

I do make money obviously when a client buys one.

He must have spent gobs of time and money every year maintaining the books and the structure. 

Save that down payment money you mentioned or go for a multi family at a higher price than the single but have rental income. 

No PMI and little to no money down.