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. 

So you take this to another comprehension level and I think that will be a tough sell.

- 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?

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

Covering a significant portion of my mortgage has been a great reward.Solution: My four levels of vetting have helped me find quality room-renters over the last 18 months.I think you already have the answers to your situation.

In addition, committing ~ $200K requires some level of sophistication on the part of the investor and you are more likely to find someone to agree to your terms in smaller transaction sizes, but even that will be difficult. 

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

My basic assumption is I would be trading a certain level of cash flow for increased appreciation over a period of 10 years.

This would be an area where you think the market is more likely to yield the level of investment return that you are targeting.