I had the same obstacles as you and was able to make it happen and get traction.

When you have the opportunity please check out this forum https://www.biggerpockets.com/... and some of the great advice in here (click the link, read through this, and please see @Nathan G. remarks which are definitely helpful as well).

I had a tenant lie saying she was co-applying with her fiancé and then he did not move in. Her

Any creative ways that I can avoid the 20% down payment and still get in here? 

I know that there is so much experience in here and I want to learn from all of you. 

Inherently there will be a shortage of quality housing.   

Hey @Nathan BarshingerGoing to hop back in here to touch on deal analysis. 

I don’t know how much left but assume everybody in here recommend that I replace and remove all the KnT before either start living or renting out.

She is in her 80s.What can she do, how long will she have before anything legal can happen.Thanks,Monika

Commercial real estate has some serious risks that owning apartments, condos and homes don't have e.g. it can take several years to find a good tenant and even when you do find a tenant you still have an inherent risk where you always have to worry about whether or not your commercial tenant's business will be successful enough to pay rent and survive to the end of the lease.