@Tim Emery based on the purpose of the post, looks like @Travis Sperr hit the nail on the head.In this scenario, since 20% interest and 4 points "works", is the only option for a solid deal, and 10% down is less than $100k, you're making a better return on your money than if you were to put $200k in and $100k.

So in my mind this seems like a solid investment.

Pick a solid B-Class suburban area.

Around here you could find an 80k duplex, put in another 10-20k and have a fairly solid property worth maybe 110-120k renting for maybe $750 a side.

Stephen, you have taken the first step and you have received some solid advice.

Before I go forward with any deal, I will make sure I have a solid exit strategy already in place (i.e. refi, sell, don't refi for cashflow, etc.)

Looking to get rid of a 1993 single wide 14x68 3/2 Mobile Home, It needs work but the roof is solid. 

I think I have a solid plan to get off the ground but I will need to figure out how to execute it:1.

There was a pretty good thread about this not too long ago. https://www.biggerpockets.com/topics/711343It’s a pretty solid thread with a lot of differing opinions.It is called a “vacant policy” and they are generally sold in 3, 6, and 12 month terms.Some companies offer a monthly option that can be cancelled any time.

Would love a recommendation based on personal experience. Thanks in advance