Purchase price: $180,000 Cash invested: $36,000 4 Bedroom 2 Bath HouseWas my primary residence for 4 yearsRents for $1575/mo with long term tenants What made you interested in investing in this type of deal?

I was wondering if there is any creative ways around this require.  

Unless you’re getting creative or using private financing, I don’t know of a lender that will allow less than 20% if you’re not living there.

Could possibly demand more with a bonus room (unofficial bedroom due to ceiling height, it has window and Hvac)I have used a few calculators to help evaluate but I’m not sure what rule I should follow as this with be a primary for at least a year minimum then eventually a rental property. 50%, 1%, 2%?

But in order to get my wife on board she does not want to use any equity out of our Paid Off 1976 4-Bedroom 2-Bath 2100sqft Home in Kingwood, Tx.

A large Duplex 4 bedrooms each side purchased in 2012 (FHA loan 203k rehab) and refinanced in 2014 to a conventional 30 year.

Contrast to a hotel, just call the front desk and they make it right.That being said, when I want a kitchen, multiple bedrooms or dog friendly place for the family, AirBNB is often a better option.

You may have the bedroom count, but sqft is very low for that rent, your probably closer to $1700-1800 than over $2000 in that area, maybe north of 210 Shandon Hills, maybe the Del Rosa/Sterling area, San Grogonia area, close to Highland or casino area might get closer to those rents.It looks like your trying to Finance with an FHA loan, watch out for mortgage fraud, SB has been a hotbed of mortgage fraud in the past and it is much more of an issue today than in the past, not saying they are looking to lock people up but occupancy fraud is one of the most common forms of fraud and lenders do look for it.

I've looked at creative lending options but none appear to work other than old fashioned saving and a conventional loan.

The bedroom walls in decent shape.