@Kiku Yamaguchi might want to think about buying a tri plex and quadplex with double of more then double of available 540K that you have to investAssuming you buy a quadplex to live in one unit and rent the rest for 1.6 mil (400K each unit)1) You will buy 1 unit for your personal use for 400K .

I am available in private PM if needed.PS. make sure that you negotiate down to 2pts and 12% on the HML.

I am looking to obtain information about the feasibility and availability of obtaining a mortgage for only about $40,000.Most banks are telling me that would not bother to offer the small loan. 

I use lease forms through the  website   ezLandforms Check them out, and they have plenty of free forms available.

Hands down. 1) less fees 2)you don’t want to start the amortization clock over again with your property in which most of your payments are all going into interests when refinancing.3)once you pay down your debt with HELOC, your credit line is available again for more draws. 

Good DTI; significant student loans, but payments on the loans are only around $200 on income-based repayment.Have around $35k cash available and can take a loan from my defined-benefit pension for an additional $4,300. 

So I did what we millennials do best and googled my way to an answer.I found out Home Possible loans are available for duplexes for first time home buyers.

Job growth and availability of rentals.

I am available today to talk.Swanny

I don’t know if I would have had to confidence to forge ahead as we have without the insights and advice available on this forum.