Yes, you can rent by the room no matter how many bedrooms you have unless for some reason your local jurisdiction prohibits it.

There absolutely is a consensus among experts that debt is the standard way to do business.

You find them by spending a little bit of capital and time on joining local real estate groups. 

Moreover, should you refinance,  as the experts are expecting that rates will go down in the next 24-36 months, before the temp buy down is up, if that is the option you took then any of those funds collected from the seller / builder, and held in escrow to subsidize your mortgage payment will be applied as principal curtailment towards your mortgage balance.  

Troy,In addition to what Melanie listed I would add, you need to find out about the local, state, or federal guidelines (if any) that impact the setup of the property.  

I'm local to downtown Charleston.

Have you instead considered attending a local real estate meetup and asking for connections/opinions in that avenue? 

I worked with local investors to buy, rehab, and lease or sell over 400 units. 

They were able to deliver my washer/dryer no problem.What you can do is check with Lowe's or another local stores and tell them your issues.

@Nathaniel LinnIn order to invest in real estate, start connecting with local agents, property managers and lenders in Ohio.