However, you could always do an FHA w/ 3.5% down, though you will have to pay PMI forever unless you refi and the property must be in exceptional shape for that FHA to approve of the property.

If you cancel 3 or more reservations within a year, we may deactivate your listing.Unless there are extenuating circumstances, there will be no exceptions to our updated cancellation policy.

The process for a multi is much the same, except if there's any income from the second (third or fourth) unit the lender will give you 75% of the income to help you qualify for the property. 

Essentially that is the whole market, except the Westside of Portland IMO. 

Hi Everyone,We are looking to buy a property for rental and it's great except the seller obtained a solar panel from Solar City (SC) through a lease.

That means you may struggle to resell, refinance, or do anything with the property except for rent it out to tenants. 

@Brian Pulaski this is a flip and I'm carpeting the whole house except the kitchen and bathroom.

@John Leavelle I agree with what you're saying in theory (except for the bad advice part - but you're more than entitled).  

Because "debt free except for housing" is so rare among Americans, it's rare that it comes up.

"We'll insure the title against everything except that unsatisfied mortgage recorded in 1970").