Many people who were lower/middle to middle class (janitor, librarian, accountant, etc) who bought in 1970 for $50,000, house is worth $1.5+ million now.

As a bonus, some accounts may offer tax-deductible contributions, potentially lowering your tax liability.2.

You mentioned airbnb and short term rentals. those can be (under the right circumstances) very tax-favorable and have you move towards your FI journey even faster with a lower tax bill.

Which makes it a lot easier and I also use cash for all my purchases to negotiate and improve transaction speed.

@Josh Stamper the one lease I did with them was $4,000 for a few months and if they wanted to stay longer (they ended up staying many more months), it went to $4,200, not lower...

Ok, I know there are instances where the ARM would be higher...but about 85% of the time the ARM is slightly lower.  

In a transaction, that question would be one for your Broker of record.

You have to consider that turnkey will usually mean less investment up front (down payment + renovation costs) but lower cash flow. 

A finished lower level with 9' ceiling and 8' drop ceilings, big open living area, "kitchen" area, storage area, full bath, and full bedroom.

Saving around 10,000 would take me twos so if I'm able to get by with a lower down payment I will gladly do so..I understand  concerns that the lower the down payment  the bigger your mortgage and that banks offering low money down loans partly caused the recession....