The tenants are currently in court with a title dispute so the house would have to be paid for cash only.I would like to convert it to a primary residence and turn the garden level into a separate two bedroom apartment for use as an in law suite.

Fannie/Freddie both allow up to 90% financing. https://singlefamily.fanniemae.com/media/20786/displayHOWEVER, the  loan level pricing adjustments are HUGE on these loans: So, the rate and costs will be very high. 

Assuming that this market will rise to the level of "everywhere else" and not inflate in relative lockstep with other markets may turn out not to be an accurate assumption.  

That helps bring back down you debt to income level.  

Congratulations on earning your broker license and taking your real estate journey to the next level!

- At a high level often people set goals that don’t align with their overall life goals.

How did you learn to build that level of trust so early in your career?

@Dmitriy Fomichenko scratch the part about being taxed at the capital gains rate, you’re right that it is taxed at income levels, however the rest stands.

It seems counter intuitive to call for that level of development, and then turn around and throw landlords under the bus during the Covid crisis.

One kitchen is for a subletter that occupies one level of a duplex.