You got the lower down because the property is owner-occupied.

On Auction.com properties, it reads that it requires 100% funds due at a time of sale in cashier’s check, but time of sale is a little unclear for me.

This worries me a little.

Much bigger buyer pool and particularily is in a single family neighborhood with mostly owner occupants, appeals to owners. 

@Chantelle LewisRecommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

Is STR insurance different from home owner insurance?

For a long term investor:Would it make sense if you could buy the home at a steep discount and then let the owner stay rent free for a specific period of time?

Is there a strategy to do a BRRRR with little to no money out of my own pocket?

The owner does not want to extend the debt for 30 years.

I am on the Neighborhood Building Owner's Alliance weekly calls, and we had this ADU issue come up.