Alternatively, if anyone has a good deal analyzer spreadsheet for seller financing options or the sub-to strategy, I would be interested in seeing those to incorporate with my existing analysis spreadsheet. 

Also, explore creative financing options like seller financing or private loans to reduce upfront capital needs.

.- If you build a good/great portfolio, you will have multiple exit options you can evaluate annually or whenever.3) Don't overleverage beyond your risk tolerence.

My plan is to rent it on a short term rental basis and stay for few weeks in a year with family/friends. 

@Rich Davis "The difference is I'm in Maine, where the evictions laws lean landlord friendly.

So I had a solid enough down payment that I thought, why not go out of state where it's cheaper, where I have friends who've been successful and can get more bang for my buck?

You could probably afford $20,000 without much impact on your budget.

No, refinancing isn’t an option because of how we purchased the property.

I’ve been around real estate for decades, and I read in The Economist once that in lively markets like Charlotte, folks will pay a premium for a comfortable room if you’re near major employers.A friend of mine tried something similar out in Austin a while back.. he’d inherited a 4-bedroom property and split it into individual room rentals.

Online Banking and IntegrationsIs the online banking platform user-friendly and reliable?