All I can find is:- Possibly lower mortgage rates (FHA?)

Bridge loans are more expensive than a conventional agency or bank loan but you can typically get higher leverage than you would with a bank loan because they typically have lower debt service coverage guidelines. 

I want to find a lender that would entertain a lower down payment on a property that should cash flow very well but I want to be out of pocket as minimal as possible. 

And, you're tying up $75k in liquidity.My personal recommendation would be to look at lower cost properties, if you're looking to get into long-term hold/rentals. 

Lowers my competition.Justin:Take a look at this Spreadsheet:What it seems like Gallinelli is saying is that you should create 2 different scenarios, one pessimistic (selling at a 9.5% Cap Rate) and one that's optimistic (selling at 8.5% Cap Rate).If I run the pessimistic numbers, the Selling price at the 9.5% Cap Rate in Year 5 would be Year 5 NOI / 9.5% = $152,605 / 9.5% = you would sell the building at $1.606 Million.

I know underwriting will basically default to using the lower of the two - net income and distributions.

I normally only say yes to SFH's under certain conditions but you sounded like you have a few units which you need to lower any vacancy fear.Y ou could look at investing into commercial sized complexes where the value reflects the income instead of sales comps. 

Take a look at the maps and look at the individual addresses that were used as a basis, as a rent comp in another section of town that may not be applicable could dramatically raise or lower the rents given. 

And the interest rate is a hair lower for the same cost. 

Lowering the price that much means you missed the mark on your comps.