The steps are basically the same, but it takes that little extra effort and planning to make it happen.

Stephen,You can use a Bank Portfolio program to buy a Duplex as an investment and it only requires 15% down.

Quote from @Jesse Turner: From what I've seen and heard, construction on the USVIs is very expensive because materials must be shipped in and there is a dearth of labor.I plan on inflating my expense side of the analysis significantly to make up for the expected increase in material costs. 

I do plan on documenting any and all damage or expected damage and claiming upon cleaners getting in there.Appreciate all the feedback.

I would suggest that you get with an attorney that represents real estate agents and run your plan by them.

I plan to rent out the basement but have a couple of questions as this is my first house/house hack:-Littleton rental law considerations (this might fall under JeffCo rather than city of Littleton, can't really tell)-Thoughts on best lease strategy for that area (STR/MTR/LTR)?

An often overlooked option...call the CC company and ask them for a reduced interest rate payment plan.

Maybe try calling your local Housing Assistance Program (HAP) office and asking them about this requirement. 

I offer a lot of development consulting since I have a background in Civil Engineering and Urban Planning.

This criteria is for 1-4 and 5-8 unit programs.