80/10/10 still exists for primary residences, here in the bay area it's a popular option for jumbo loans even.You could in theory slap a piggy back loan together for a rental, but it wouldn't save you any down payment funds due to modern CLTV restrictions.

We could do some updates (cosmetic) and then when we are ready to leave WI we can keep them both and rent them out for a bit more to cater to the clientele that want the more updated/modern home.

If you live in a cold climate region and you windows are old replacing windows adds significant rental value and your tenants will pay extra for decent double glazed modern windows and good heating. 

I appreciate your sentiments on 5% serving as a bit of a personal benchmark for what's currently acceptable.

Modern way of saying don't need to or care to hunt anymore👍 

An electrician has come in to quote the upgrade of service from an old fuse box to a modern box with switches.

To do that in modern day America, even for someone from a lower income bracket is manageable.

It is full of charm and character with open concept, original hardwood floors and high ceilings, but also with lots of modern finishings.

Purchase price: $69,000 Cash invested: $67,000 Sale price: $277,000 Stunning Meridian Kessler home 100% remodeled to balance modern design & historic beauty.

I went to a few and they tend to use more modern stuff but the worksmanship is not so nice.