There no reason to wait any time or have any “whichever is lower” rule come into play.

If so, then the owners of the front property cannot (legally) block access.If there is not an easement then adverse possession may come into play. 

My personal take is that the banks won't call it due until they do, and I prefer to play by the rules, and abide by the contracts I sign.I also did not have the financial capacity to put 25% down on my first house-hack when I was getting started.

If neither, you may find a HML that’s brand new; willing to find any good Deal, but maybe that experience won’t be a great one.Expect to pay something.

Simply because I think it’s very difficult to become the brand name for multifamily owners in 100% of your local market.

Knowing your why is crucial because this gives you the strength and purpose to keep going even when opposition stands in your way.Take complete responsibility for your success as we;; as failures in your life: Successful people do not play the victim role.

So time plays a big role in deciding which type of loan will work best for your situation.

Just replaced new facet to what tenant liked (old one was leaking), fixed bathroom wall with brand new tile walls and shower.

Of course it's all about comfort level and what kind of rentals you buy but you can certainly play it safe and do waaaay less than 100% cash.

I admit I have no idea but of course it is getting heavy play locally in the media rotation as the 100 year anniversary approaches.