What do you smart people think?

That’s really smart.

to me this becomes a very personal choice where you have to weight your Options.IE your own personal financial situation .. 

Realtors are always focused on revenue, but smart ones realize that customer satisfaction is part of that.

I'm not super familiar with this area in Illinois but I'll include a zone map to help you find some quick fixes- just figure out he zone specifically and go with a zone appropriate choice(s). 

@Stephen FooteHi Stephen- yes as far as going with 20% down and that eating away at cash reserves the best choice then would be to wait until you can go it alone.

Checking reputations by doing your due diligence by following threads on Biggerpockets and other websites is really a smart way to start. 

You had no choice. 

So in the future you could refinance the rental to take out tax free money to pay down your primary residence to accelerate this even more, or sell the rental to capture the equity in it to pay down the primary residence.Regardless of your choice- refinancing would probably be in your best interest on one or both of the properties. 

Either these politicians are not smart or they know full well what is happening and are exploiting these situations for political gain.