@Jerry MillerIn addition to Dmitriy's great response, the terms on the loan are set by your plan's loan policy.

Are there factors within my control or specific to my situation that influence this, or is it purely based on lender policy?

These quotes are for a commercial policy (can you cover an LLC property with a personal policy?).

If you did a zero down payment loan and had a 30 year note at 4% your monthly payment would be $430.

A sponsor can contribute zero capital and still earn a promote. 

I sought out to find my own references, but wasn't able to find any (even after posting here on Bigger Pockets).For the time being, I'm sticking with a simpler approach of having a good Umbrella insurance policy and one LLC holding the few properties that I own.Would love to hear what you end up doing, Jessica S.

As an investor I won't tolerate not knowing what the expense is for exactly, and it shouldn't be difficult to find out.  

In reality, your holding costs will likely be zero, @Qendrim Marku, since it's doubtful you'll find a hard money lender to fund this deal under the scenario you presented.Because of the overly strict regulations that govern home loans, such as Dodd-Frank and the SAFE Act, most hard money lenders will not loan on owner occupied properties.

Im guessing that was added in mine over 100 years after the home was constructed.While this property has a lot going against it...it probably has zero chance of appreciation....if you could get it for close to $20k, and have $10k into repairs, and get the rents up to $1200...then you should be looking at a property that hits 4%.

They would not let me have more than 5 landlord policies, and they would only let me write policies to an LLC if I was the sole owner.