Getting a longer amount of time or changing the ratio can make a big difference in our chances of success.In order to get better at bargaining, I've come up with plans that work.

This is exactly what I plan to do. 

Planning to use HELOC to buy cash for a property.

Im planning on making my garage a 1 Bed/ 1Bath.

If you are planning on living in the house, 5% down is the lowest you can go.I would also encourage you to start tracking how you spend your money and see if you can cut spending to save more money or find ways to increase your income.

I am planning to rent out my unit in a mixed-use building.

If you plan to live in the property then the short term sacrifice you may have to make is to live in an area that is gentrifying in lieu of an area that is already fully developed.

I'm planning to keep my day job and probably look to partner with friends and maybe cabl dabble in some hard money. 

The obvious offset to that is that you can re-fi on the way down in order to maintain margins, I plan on doing that. 

I’ve heard for AirBnBs the bathrooms don’t matter much and we plan to put money/ focus into the living room, kitchen and outdoor space.