It is not an issue if you are adding more square feet for your personal preference, but I would not expect an ARV that is as high. 

@Austin Wood Yeah I Ozon my units between tenants if the last person smelled

Depending how much you earn you can step up those savings by getting a side-hustle.

In this case, the second bedroom isn't necessary, but does get used as an office for the person working from home.

so, for each individual person, it's more or less doable.if it's going to take you years to save up a down payment, can you increase your income and/or cut your expenses?

So now it hits a rich and famous person.

I personally reserve 15% of my rent per month for maintenance, capex, and vacancy.

Salt Lake (also Zions) Navy Federal 80% LTV LONG draw period of 20 years, and 20 year repaymentNevada State Bank, in first positionNorway Savings Bank, MaineOmaha MortgageOne Nevada Credit UnionOregonians CU - ORPenFed - StoppedPeoples Bank of NCPioneer Bank, MNPNC Bank on primary and secondary (2nd homes) must be in personal name and 50% DTI is required.PSECU up to 80% Quorum Federal Credit Union 80% LTV, owned by LLC is OK.

The drop leaf table folds up for a third person or move it out for a 4th.

I haven't used Investor Carrot personally and know many people are happy with it.