Since COVID, this loan product from this bank is no longer available and the highest LTV they go to now is 60% for their 5 and 10 year term products.I would focus on trying to obtain longer (10+ year debt) and that will substantially minimize your risk.

@Chris Iley without consistent income you wouldn't qualify for conventional financing but there are 30 yr products available that use the subject property to help you qualify.

Interest rates are still low, I'm assuming you would be able to swing the 20% down to avoid PMI, and qualify for a pretty affordable fixed rate loan product.

LTC/LTV restrictions: "Loan-to-cost" and "Loan-to-value" restrictions will vary by lender, but lenders are generally within 5-10% of each other for a given product type.

With modern pest control for termites, roaches, and mice the state-of-the-art products are all bait systems which you really don't want to use unless you already have a problem. 

Interested to see how other investors are mentally and physically preparing for a reversal of 1031 exchanges.

I think college students will start to become more picky and will want more space, nicer amenities and nicer housing (especially if mom and dad are paying for it).If you are an operator that provides a superior service and product, I think you will be fine.

By doing so, you can choose the quality of product you want and the tenant doesn't have to come out of pocket for supplies or provide you with receipts. 

Some community banks or credit unions will go up to 95% loan to value on HELOC products. 

When you're competing with many other first time home owners and a shortage of product, it's extremely difficult to enter in.