I'm not super familiar with this area in Illinois but I'll include a zone map to help you find some quick fixes- just figure out he zone specifically and go with a zone appropriate choice(s). 

Hello BP group,New to using the tools offered here and have a few questions for those who may have perfected the craft. 

@Stephen FooteHi Stephen- yes as far as going with 20% down and that eating away at cash reserves the best choice then would be to wait until you can go it alone.

You had no choice. 

So in the future you could refinance the rental to take out tax free money to pay down your primary residence to accelerate this even more, or sell the rental to capture the equity in it to pay down the primary residence.Regardless of your choice- refinancing would probably be in your best interest on one or both of the properties. 

@Kevin LeAt some point it becomes a personal choice in terms of which area works best for you (SF/South/East Bay/Peninsula) etc.

REebroker is likely your best choice. 

It Is an option on owner occupied loans where they Give you a choice of 3,5,10,15 or 20% down. 

That's not guaranteed, but it is the choice I'd make based on market conditions as I see them.

Pissed off you have no choice but to pay for 2/3 of the cost.A month later, this Frankenstein'd 17 yr old machine dies out again and the insurance company wants another $99 deposit to come take a look at it a second time.