I only mean to suggest that the 20% is an equally important part of the reality.

I’ve got a job and I’m wondering if I should move in on the property and bear the negative cash flow until the lease ends?

The only big negative I can think of at this time is on the investing side where we want to grow simultaneously but will be losing almost 100% of W-2 income when we pull the trigger so lending options will be limited for at least 2 years.

I only have about 35k in it so it may be awhile but I thought I’d start researching it before it came time to use some of it.

Your SchC income may not be as high as it could be because of misc business deductionsUnless your SchC and SchE are showing negative, it sounds like your loan officer isn’t considering a single one of them.

However I only need 27k max to cover my closing costs and 20% down for most of the rental investments I've come across in the city......so what does one do with this dilemma?

Im trying to find there numbers but I only have like 30% of them for the list I buy.

I try to break this deal down, find the negatives, and try to write it off as a bad deal...unless it passes and then you can continue further in the research process. 

If I put a kid on my loan and he moves in to the property it becomes an owner occupied loan and I only need 5% down. 

I have been analyzing a minimum of one deal per day and keep getting negative or low cashflow.