In certain markets, renting may be more cost-effective than buying which means your monthly payment will be lower than if you owned a home.

Get lower paying job when fInally let go. 2-leave area foR saMe salary range and sell current rentals since I am not comfortable being long distance landlord. 3-cash out and pay taxes and penalties on ~$200k 401k and really jump start my rental portfolio to replace lost income. 4- some combination of these.

Other managers I have interviewed were at 50% first months with a lower % of gross rents.

I don't think you will find permanent financing at a lower rate than a Fannie-subsidized 30YF mortgage.

and on some of my new builds in ORegon I was 10k high and had to lower .. but still making  our margins.. but just pushed the envelope a little.when I think of drastic price reductions it was like what I experienced in say Atlanta.. were I made HML in 07  at 90k for a great house that appraised for 140k at the time.. and by the time I took it back in 09 the best offer I could get was 39k cash there was no financing.. now that is a melt down !!! 

Vacancy runs like a mini office but with lower quality tenants and shorter leases.

Low minimums getting lower.   

However, I've recently come across some private lenders willing to lend their own funds directly on their own, some with significantly lower interest rates.

Thanks for the help just thinking lower cash out of my pocket better ROI.

You buy it cash and rehab it, then immediately finance it for 75% of the value or your purchase price, whichever is lower.