In my opinion it will come down to your motivation.

So, that if the boiler goes down it is NEVER an emergency!

Whatever I do, I would need to do with a HELOC—effectively financing 100% of the property (down payment and closing financed with HELOC, rest of purchase financed with a mortgage). 

Alright, BP fam, let me break this down for you.

Being part Alaska Native, there was incentive where they would pay your down payment and we utilized that tool!

Co-living isn’t just an alternative to traditional rentals—it’s a way to maximize cash flow, lower risk, and attract investors.To make this post more insightful, I’ve included graphs and visuals that break down the key benefits of co-living and why serious investors should be paying attention.1.

I see too many investors now, put a significant amount of money in rehab costs and over leverage themselves on hard money loans with low down payments, their properties are not selling and they are lucky to just payoff their current hard money loan via a DSCR refinance. 

It takes an hour to get there down the lake.

You also wouldn't want to create a cloud on the title, so doubling down and working with a legal professional/attorney would be best advised. 

A good broker should be able to tell you a range of rates given specific criteria if you can tell them what kind of deals you are exactly looking at (ex. in central Boston, 10-20 unit, 90%+ occupancy, 30% down).