That doesn't happen in Denver now except maybe by very very unique circumstances. 1% rule (the lower return sister of the 2% rule) is rarely found but can be.You really have to decide what you want given the market we have.

There is no one way to structure it and everybody on here can give you a separate unique way to do it.

Thinking otherwise is simply arse-backwards, and how our region unfortunately as whole has thought to be the ideal way for far too many decades now.

Many thanks for your insightful and unique approaches to working around my cash flow dilemma. 

again this is regional in my mind and asset specific...

I think for those of who really love their jobs, make a great living (more than top 10% in your region.

Either way, these aren't even special unique loan programs or anything, you just need to find a REI-friendly local lender with an IQ greater than a cabbage. 

I know it'll differ in different regions 

My husband and I are buy and hold real estate investors in the Twin Cities metro, primarily northern region, with 30+ units in our current portfolio.  

Local and regional banks are your best bet.