@Wale Lawal @Steve Morris and @Randall E Collins for the insight, I am certainly looking to arm myself with as much information, contracts, etc. and be fully informed before making calls and offering deals.

I've had a few situations in NYC where liens were placed due to non-payment and the contractors ended up paying an arm and a leg in court fees and legal fees so in the end sometimes it isn't worth it. 

Spend the majority of your time with people who have more success than you Commit to telling your story and adding value through digital contentLearn something difficult every single dayThe goal should be to acquire talents, not units Pay yourself last, and if possible not at all

But it would have to be an arms length rent with you as an unrelated party. 

I would seek to find something that can produce a modest double digit COC return while still providing some appreciation.

Many commercial products offer 20% down as well, but are typically a 5 year ARM with a 15 or 20 year amortization, at least in my area. 

Therefore whenever you are considering an investment you need to make sure that such transaction is an "arms length", meaning that these persons can't be involved directly or indirectly.

Looking to get 5/1 arm on a 300k appraised property I just need 50% finance but keep being turned down because my score is 630.

STR’s is without a double worth looking into my properties have all gotten double digit cashflow and appreciation the last couple years and still give double digit even at new prices.

I would not do either if your monthly cash flow is a low 3 digit number.