The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

.- Owner must sign a Hold Harmless to indemnify us against any potential tenant lawsuits relating to the work their contractor is doing.--- Another lawsuit resulted from owner's contractor taking down basement handrail to get supplies down the steps, then they didn't put it back and tenant fell down the stairs.- We also negotiate a reasonable completion date, depending on the Scope Of Work (SOW). --- Who gets all the phone calls and wastes time calming a tenant down because the owner's contractor doesn't show up as scheduled after they took time off from work or a 3 day job takes 3 weeks?

Quote from @Richard Bautista: Good evening,Just saw Cleveland, Ohio has relatively inexpensive houses which has the potential to cashflow.

Self-driving cars are potentially amazing, but they need to capture a lot of nuance and complexities.

There are going to be potential issues with tenants anywhere.

Evaluate potential rental properties with a keen eye on location, cash flow, and potential appreciation.

This allows for deferral of capital gains taxes until December 31, 2026, with potential reductions in the taxable amount if held long-term.

Home is potentially upside down on mortgage (verifying that) and current owner wants too much for the house.

I worry that a disgruntled renter could see potential deep pockets if they did their research. 

Quote from @Basit Siddiqi: I personally would not buy real estate with a retirement account.There are just too many headaches that are not worth the potential increased return.Some headaches when it comes to investing in real estate with a retirement account1) LTV values are less and harder to find lenders.2) Potential to sell or partially distibute the property if you have to do a RMD(Required Minimum Distribution)3) If you run out of cash and have to make a major repair, you may be out of luck and have to sell.4) Having to potentially worry about UBTI(Unrelated Business Taxable Income)I would personally invest in stocks/bonds/notes with a retirement account.I buy deals with cash and use a ROTH SDIRA so there are no RMD's.I buy at huge discounts to retail.