Fannie/Freddie both allow up to 90% financing. https://singlefamily.fanniemae.com/media/20786/displayHOWEVER, the  loan level pricing adjustments are HUGE on these loans: So, the rate and costs will be very high. 

This has affected me on an emotional level far deeper than it has economically. 

One kitchen is for a subletter that occupies one level of a duplex. 

My basic assumption is I would be trading a certain level of cash flow for increased appreciation over a period of 10 years.

Ultimately, it’s about the level of involvement and risk tolerance you’re comfortable with.

The tenants are currently in court with a title dispute so the house would have to be paid for cash only.I would like to convert it to a primary residence and turn the garden level into a separate two bedroom apartment for use as an in law suite.

Congratulations on earning your broker license and taking your real estate journey to the next level!

I may have an unpopular opinion for Austin Market but i think hype is going down and things are settling down still not to pre pandemic levels, probably wont happen due to influx of people that moved in.My understanding is more people will move out than move in to Austin next few years but that is with in circles i know not necessarily representation of austin market. 

An NFL player at 250 lbs is going to be a different fitness level than couch potato that weighs 250 lbs.

The things you have mentioned are simple, high level thoughts based on assumptions.