I kept the property management company that was in place.

What if you get a 0 down loan for the entire value and not use the cash? 

After he was successful in being more profitable than his neighbours (one thing he's done well with is driving traffic to his direct booking sites to cut out the host sites that take so much in fees) he started taking on investors that put the 20% down for say a DSCR loan.

I have a client who is in need of a personal loan (under 15K).

Also, I can't tell anything by just this post but there are investment property loans that don't require 25% down. 

Have you checked out using an FHA loan for a multifamily househack?

Purchase price: $310,000 Cash invested: $350,000 This was a full rehab 6 unit multifamily building.Our firm did everything from locating and acquiring the project, to managing construction, and then finished up by leasing out all 6 units for a premium rent.We used a construction loan to secure the property and do the rehab. 12 month term which we were able to do construction and lease out all units before taking out the original loan with a permanent commercial loan.

Mid-Term rents do cause a little complication...but that's what DSCR loans are for.   

Check with each utility to confirm you can have the additional accounts in a tenant's name.In our North East Pennsylvania location, the water companies will allow a separate meter, HOWEVER, they require a separate water main from the street hookup to the additional house meter so they may control each meter on the property independently of the other(s) without entering the dwelling.

I also hear that HML does not loan this type of contract.