This gets rid of the PMI.

I would put down 5% and then pay enough to get to 20% while living there within a year or two, then refinance to get rid of PMI and to cash flow better, when I will move out and rent out both sides.  

This is important because someone may have a dog in the house for three months, it causes a bunch of damage, so they get rid of it and tell you to reduce the rent.

Either way, what are the chances you can get rid of them if they are a problem with the eviction ban in the US? 

Good luck getting rid of them at the end of the lease.

All cash obviously gets rid of the appraisal/financing contingency so your offer will obviously appear stronger than others with a much higher chance of closing. 

The current landlord may just be trying to get rid of them.

I read that if we do an HSA loan then the only way to get rid of PMI is to refinance. 

The owner has way to many investment properties to fix so now he is trying to get rid of some! 

That's likely what is ruining your score, and getting rid of that and continuing to pay on time on your car loan will start to build some positive credit.Good luck with it, @Jaren Smith