So the power is really in the fact that it is a heloc/checking account combo.

There are many other ways to qualify besides DSCR, like bank statement averages or even P&L statements that can offer lower down payments..check in with @Joseph Chiofalo he's a 20+ year mortgage colleague and can help with structuring and options.

Check Ou prop 60/90.

Thanks for the tip, I will check out this week. 

These aren't ranked in any order - just based on boxes checked for cabin searches for the last 12 months.- Mountain views- Onsite fishing/waterfront- Game room/arcade- Wood burning fireplace- Access to pool/swimming- Hot tub- Outdoor firepitIf you have a great mountain view or are waterfront, you are definitely starting out on 2nd base.  

In the future it might be a good idea to pay someone $50/month to go by and check the place inside at least once a week while you’re all gone.

And correctly..you cannot co sign as a primary if it's occupied..2+ units can sometimes require larger down payment (as you've found) another option could be to access equity against another property..check in with @Joseph Chiofalo for potential lower down payment options..might be able to get to 15% down..Good luck! 

LA & San Francisco was already too expensive and crowded while Seattle checked all our boxes.How did you find this deal and how did you negotiate it?

I would also prioritize trying to replace your regular 9-5 job and then gradually increasing your income with more experience.

I did a whole post on it on my BP page if you wanna check it out.