In some cases they cannot pull the money out because it is now (Non-owner occupant) an investment and their credit union or bank may cap them at 70% or 75% MAX LTV.Nothing wrong wiht putting 10% down on a primary but look at the rates on both 5% and 10% usually when you have PMI built in the rates stay the same.

I feel it's a start of getting them recognized for the wrong they are doing to others and taking their money.

All of the above numbers are wrong.  

I did not want to incur the cost but I figured...that maybe....just maybe....sometime in the near future us ADU home owners may be able to rent both units....like a duplex.At that point it will be worth it to let the tenets be responsible for their own bills.Not saying that other ways are bad...they are actually very cost effective if you are living there...but what about as you scale your business and move onto other properties.This of course if your city will allow you to rent both units...the city I am in is tough but things can change as more pressure is being put on affordable housing.Once again...not saying any way is right or wrong...I just did it this way for the reason I just mentioned.Thank you....

I could be wrong..Also since your a licensed agent why don't you just start your own company and hire experience managers to work for you.. 

I guess what I am trying to say is everything pencils in a perfect scenario with nothing going wrong. 

There's nothing wrong with having some money left in a deal in my opinion. 

Correct me if I am wrong, please!

Not a right or wrong answer based on your investment horizon but a good tool to use.

For instance, a starter home on the wrong side of town in central California is ~$400k now.