Since they quit making T-locks many insurance companies will not cover the roofs if they have T-locks and you must put a new roof on to get insurance or get the roof excluded from coverage. 

If I were you I would be looking for a duplex, triplex, or quad simply because the more bedrooms you have means more rent coming in which means a lower mortgage payment out of pocket.Good luck and I would love to hear how your future turns out !

Buying an investment before a personal is t going to negatively affect you!

Or would he/she simply be loaning you the money?  

@Jesse T.

Of course not, people get on BP for what they believe is good knowledge, just like people pay for guru seminars for what they believe is good knowledge.Full disclosure, this is just my opinion, and I am in no way affiliated with any guru, program, scheme, flim-flam, fast one, hosing, con, shakedown, sting, or hustle, I am simply a fan of seeing grown RE investors digress into 12 year old World of Warcraft forum trolls anytime someone mentions a "RE Guru".

Would you simply go somewhere else or just hold and bank on appreciation and paying down loan?

The few that are are simply part of normal RE investing. 

To me it is not worth risking reputation, morals, etc. simply to get a deal.

You are simply talking to the wrong department.