Any and all feedback would really be helpful before I begin to pitch these deals. blessings to all.

I never worn the landlord hat and have no experience with what this transition would be like.I am definitely okay with taking a hit on earnings to reduce stress for myself and minimize problems.

In today’s COVID environment I’m really looking to minimize risk and I would much rather have an empty house not generating income than an occupied house costing me money to get it back.  

Are there any other well-managed lenders out there with a similar product but no minimal threshold for owner-occupancy (or one lower than 50%)?  

You'll have a tenant in place the entire year, have minimal other expenses, and mostly just have taxes, insurance, and debt service to cover. 

Not a sales pitch, just saying that we have a lot of exposure to the ocala market.The ocala market remains red hot.

On the flip side, they also offer moderate returns and minimal upside.

The guidelines stated managing a rental property required minimal time and effort and claims of "real estate professional" status based on this should be scrutinized closely.

But if they have minimal retirement savings (less than some number pushing or over a million) and has not been working, taking on a big debt at this point is going to be a HUGE and long-lasting lifestyle change.

The roof is a 12-12 pitch roof, this gave me the ability to have 3 bedrooms up stairs, laundry, and a big bathroom with a double bowl sink.On the first floor is the mastr bedroom with it's own bathroom.