Many on here are familiar with the platform, as it's a great way to juice cash flow and the city looks much more favorably on it than AirBnB since Padsplit provides much needed affordable housing. 

She says she can cover the full rent payment on her own so we will see.   

BTW, I have a great agent, an 800+ credit score, a high paying tech job, no debt besides my mortgage, a home that's difficult to get a HELOC on because appraisers can't figure out what it's worth (I live in the country in a very unique mid century home), but only a small amount of cash.

They have been investing in Columbus for the strong appreciation and cash flow.  

I am going to try getting the owner to finance 100% of the down payment on an 8 year note.After accounting for all expenses including the note, it comes to about $500 in cash flow at 87.5% occupancy.

You’re already giving strangers the equivalent of a cash gift every month.

Could anyone give me any estimates of expenses and cash flow based on experience? 

Get the lender to explain the items to you- Dont make surface level comparisons of monthly payments or APR.

If so then I could lend with a bridge at 70%, but if you're looking for a DSCR, with a better rate and longer term, then I could get you 75 or 80% depending on the Cash flow and your FICO. 

Purchase price: $460,000 Cash invested: $50,000 Renovated both units, buy & hold.