My conclusion is that take the provided ROI calculations from REI as purely estimates.

But be prepared because you are probably dealing with a professional tenant.

US Bank, Wells Fargo, and TD Bank are among the banks that provide these accounts without fees.

The struggle comes when you plan to sell, pay close attention to how the bank would treat the loan in the event you would sell.Even though its a bit more work, banks are typically open to these loans as it provides them with additional collateral in the event of default.  

If you’re saying the exact same thing to every seller, you’re probably missing opportunities to connect and provide real value.

My focus is on providing either turnkey-style space for those interested in temporary, infrequent use or long-term leasing for business folks who require conference room space (or perhaps event space).

Spokane’s tenant-friendly laws could present challenges, but its lower home prices compared to other markets might provide more affordable entry points.

(Even went beyond the second page of Google.)I have an investor who wants to partner on a deal by providing a loan for the down payment.

Most lending is based on cashflow, not the 2% rule (although still a good rule of thumb for some types of investments), might have the most help from the group if you provided some of those details here just so it'd be easier for us to help you best. 

House hacking will provide you with an onramp, though, and make it much easier to get started.