It's definitely plausible with FHA or there's other conventional 5% products where you can achieve a similar down payment program depending on your state. 

Real estate is the wild wild west, you can negotiate anything with a motivated enough party.Good luck. 

I would also ask you to seriously reconsider why you are in Real Estate in the first place, what your goals were initially and if Real Estate is the right avenue for you to achieve your goals.

I hope you are able to grow your business as large as you desire and achieve the success of your dreams.

Finding creative ways of renting SFRs is a great way to achieve cashflow and take advantage of the strong appreciation here in Denver!

The rental rate is high enough to justify having a month-to-month lease and motivate her to move out.

Some of my key takeaways were that it is important to define exactly what you're looking for (Crystal Clear Criteria - CCC) and that, using the stack method, financial freedom through small multifamily investing is tangible and achievable for everyday folks like you and I!

In fact, I value cash flow behind value add and appreciation.  2) after the refinance you will be achieving infinite return which is the holly grail of returns.  3) your monthly appreciation has been ~$1.6K/month over your hold period ((($325K-39K (upgrade expenses) - $189k (purchase)) / 5 (years) / 12 (months in a year)).   

So that says it was never to achieve the stated goal, so what then?

While walking around I felt so motivated.