Can someone explain this to me like I'm five? 

This has a cost but nothing close to what you’d have to pay investors in a pool, which is something else you mentioned.

Would I be able to purchase that if I tell the lender I have the intent to live in there and be able to put down 5% and if so what do I need to tell them about the current primary.

I don’t know what they expect to find.

Back when I first had the idea of real estate investing, creative financing was my only option, seeing as I had little capital on hand and even less of a chance that any lender would talk to me. 

If you're planning to use an FHA loan or another owner-occupant loan, there are typically rules about tenant occupancy.

What part of Garland is the property?

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What am I missing?