Not really difficult, but you need to be careful and informed.Kingdom Trust is a good custodian. 

I don't care how close I am to the person staying with me, good boundaries make good housemates and I'm the one who is at risk if bad things happen, not the ones paying me.

You can talk to a private investor, but not sure I see a big enough profit in your deal to take it on.Start living like no one else does, get a second job or a better job, so you can save $20-30K and you can make this happen.I've had to pass on two deals 'cause I didn't have the cash to put 'my skin in the game' (just put $70k into buying a primary residence).

Originally posted by @Caleb Heimsoth:If they demand 3k upfront day no and go find a real hard money lender Care to elaborate?

The is no reliable or affordable child care in our area.

I daresay that then, your current two properties would fare at least as badly as your carefully researched next primary will.

We're in an aging situation now when many retirees in their middle sixties are still caring for their ninety-year-old parents.

Please refrain from making recommendation which will result someone's IRA disqualified if you don't understand the rules.Laura, there is a lot of misinformation on this topic online so be careful who you listen to.

The long term mortgage makes sense.If you have others that make 500k,1 million a year in income or more etc. they really do not care as much about cash flow.

They have more skin in the game then you do.Make sure you get clear title.