Theres a ton of solid AirBnb activity there too.

Andrew Steele I don't live there but am actively looking for deals there

The property has 3 actively rented one bedroom units.

I have been listening to the Bigger Pockets podcasts ad nauseum for several months now while I work for my father (when I'm not working with clients I keep the money flowing by doing so) and one of the main things that I have taken away from all of the guests is the majorities' response to the question of "what do you think separates successful investors from those who give up, fail, or never get started with investing?"

Assuming the property does not have major issues such as deferred maintenance or lacks desirability, accepting anything less than 20% down, minimum, is asking for problems.  

I'm looking at several apartment buildings for sale in Idaho next to a major university.

I would bet that the majority of people who fear market fluctuations are people who are not at all, or very little invested in the market.

I wouldn't let that be a major concern.

But I would aim for a bit better deal so you can refinance out all or at least the vast majority of what you put into it.

There would have to be some major reason (e.g. the unit is twice as big, it is in a better school district for your child, etc.).My recommendation would be to stick with conventional investment loans, 25% down, 30 yr fixed.