I’m pretty happy having the flexibility of renting and just keeping props as investments.

If you are working with a HML, they are usually more flexible.

I planned to try and have flexibility with the seller’s desires.

Loved the location and the price gave us the financial flexibility to invest in rehabbing the properrty.

Kyle,My experience has been that for Single Family, non owner occupied units, 20% down will work,multi family  2-4 units require 25%. but those are with conventional lenders.As others have mentioned, look around with more investor friendly banks/ credit unions.You may want to add a mortgage broker to your team and work with them to search for more flexible lenders.Good luck on your journey! 

Keeping the mortgage payment low was also a big deal for us and having the flexibility to rent by the room (or not) was a huge deciding factor.

Do you think community banks would be flexible on having a co-signer?

I will also say that smaller credit unions and lenders, while they can be more flexible in their guidelines, can also be more inept and there may be more stupid policies you'd have to deal with as opposed to a bigger bank that has the funds to avoid stupid requirements. 

In general you'll have less flexibility to do any value-add to a townhome because the footprint is fixed. 

If they participate in the brief survey, the number of free minutes on their calling card is increased.Methods of InterviewingIn-depth interviews are one of the most flexible ways to gather data from research participants.