If so, how do I get around this or at least make it to where only the rental income from the property is taxable locally? 

It costs around 260k.

We do PML and HML.

It's a little harder to get them approved but still very doable.

Do not try to negotiate it yourself. 

Realtors hear the same story a lot - I am starting my journey and plan on doing a lot, but I need help right now.

Beautiful, go do it yourself, I will wish you good luck.

If so, would you be willing to share the terms and how it worked out for all parties involved? 

If it is, please name the lender that does it?

My biggest advice is to start investing where you have a good network of people you know like and trust...this especially holds true if you will be investing out of state.While it's not impossible to go straight to the commerical I personally found it easier to start in the residential world and then make my way over to commerical multi-family.