There's still a lot of questions to be answered, but based on cashflow alone, the 20% down option would be the less stressful way to structure this deal.  

This was recommended to me by my agent based off of the class neighborhoods I'm interested in investing in.

Hi everybody,I am looking to purchase my first rental property and I do not think I am ready yet based on feedback I have received from multiple people.I do not have enough money for a downpayment on a conventional loan, DSCR loan.

I don't know much about your market but I will assume there is above average appreciation based on those numbers. 

+95% of agents have only done owner-occupied transactions, which are mostly emotional-based.

Based on data from Rent.com It seems that in the ATL metro area , a 2 Bedroom property could rent between $1500 -$1600.

NP. another reason for landlords to base their residency in a community property state if they have a different life expectancy than their spouse. 

Right now I am trying to stress to everyone that they need to be able to afford a property based on the long term rental potential even if the plan is to use it as a STR.

Nobody can answer your question based on the very limited information you provided.

Pay the bill yourself, then reimburse yourself by charging the tenants based on a formula.