I'd house hack and live in one of the units the first year, and use an FHA 3.5% loan.

I used to hear it all the time, but never really understood that you need to get clear on what it is you're looking to do.

I'm not sure what the issue is on this.

Great way to connect into the market you want to serve.Next tip: come to a monthly meeting of ROA (https://www.laneroa.com/). 

Your insurance is going to be highly variable and I wouldn't use what an agent or the seller tells you as the cost of dwelling policies have increased substantially over the past few years due to rising new construction costs. 

If this is done, then 75% of the gross rent for your current primary can be used to offset the mortgage debt of that property to 0.

Unless this is a value add location with more expansion hard to get a lot of bang.  

What banks do you guys recommend that I can use in the US?

This is assuming there is no personal use of the daylight basement, and it is 100% business use as an STR. 

I was looking into getting a sponsor, but what pretty lost trying to find a sponsor on Google.