If debt to income is not an issue at all, then refi when you want, wont matter other then trying to save money ASAP and get rid of mortgage insurance on the rental ASAP!

Wont the bank ask for credentials beyond the renovated home and rental to qualify for the mortgage?

I was thinking of a House Hack but I worry that I wont be able to find a place in an area that I would want to be and I also worry about the price to rent ratio. 

They have sufferred no loss, and no harm.

Randyyour corporate meeting probably wont stand up to audit.. ask me how I know  :( 

Only a portion is PMI.Personally I think the answer about your time horizon is the best: if you wont be selling in 5 years, then it's safe to put less down.

IF they take care of all the above, you wont have to budget that money every month for exterior CAPEX or maint.

I don't get why people are saying they wont.

A bargain by definition is an outlier and it wont conform to any broad trend analysis.

Not coincidentally, young women who get into computer science are even more likely to suffer from the gigolo versions of these meal-ticket-seekers.I've seen the traps spring both in my own family and also in my close circle of college friends.