The factors that make long term buy and hold with a 30 year fixed note are also the factors that make the debt not so insurmountable.

If they only have one, their emergency will be yours until you fix it.  2) Adding a bathroom isn't insurmountable, but it can be very involved. 

The higher LTV requirement becomes insurmountable to most, but especially those seek creative or no money down opportunities.The two triplex's is a rare find, but 4plexes will perform similarly for the small investor and I highly recommend rolling a couple of SFRs into a 4plex at your earliest opportunity.

@David Thompson, The pressure of the 45 day window is real but it doesn't have to present an insurmountable hurdle with planning like you do with your clients.1.

If the market turns to the point where I can only increase every other or every third year, then I need to understand those profit hits and plan for them with extra reserves or whatever.Condos have one or two extra moving parts but it's not an insurmountable problem.

There are many situations where the obsticals seem insurmountable.

This competitive efficiency advantage for smaller landlords combined with their irrational investing seems insurmountable.

Either the property is way overpriced or it has insurmountable issues.

We do not have a lot of money and definitely are pinching pennies all the time.We have a wedding coming up and closing on a house at the same time, as well as dealing with our current house’s issues.Some things may seem insurmountable but they are not, it is uncomfortable and you may go to bed worrying but most of the time I am excited.I am excited about expanding my future and the future of those around me.I feel like I have more control over where my life is heading and the financial stability for the future.I always felt uneasy throwing money in a distant account waiting until the twilight years of my life to get at it.

Obviously the zoning and neighborhood approval will be obstacles to overcome, but not insurmountable.