I'd bump up Repairs and CapEx to 15% combined.7% Management is very unlikely.

That is COMPLETELY bogus.Not because someone owes nothing on their house will the chances be greater they are in desperate need to sell their house for far below market value.People think that a list is some mystical legendary scroll, that magically increases the chances to get a lead.It is utterly ridiculous.Yeah sure you can combine the criteria, and hopes you have better chances.

Took some time but got in touch with an awesome lender that fit my unique needs.Got connected to some other investors and vendors through the process too!

I have a very unique situation I wanted to discuss with the community and all our accountants out there. 

Just some food for thought:I think you're going to be in a similar boat on many properties...it's going to be a real unique property that you can get into with a low-down, Owner-Occupied loan that has the opportunity to drive enough value to pull money out while generating enough rents to cover the new, higher loan amount.

If market rent is currently at $2,600 both sides combined, then that is a shortfall of -$274, not a great choice in my opinion. 

Use a combination of marketing efforts.

It also has to take in to account things liek property age, state/local property tax rates (I pay less on 3 x $300k Vegas properties combined than my brother pays on his $400k house)  insurance rates for that area, (I pay less than 1/4th in Vegas compared to MN) type (my $600k townhome in MN is $400/year, my $300k house in Vegas is $650).

They can figure out solutions for their own unique problems.  

I just wanted to give my two cents on the knock on effects of this very unique public health crisis on my local economy.