@Nick Cooper you can buy with as little as 15% down on a single unit property with conventional financing.

Turned a single family house that was poorly marketed but in a great area of my city, listed mid-winter where there's less competition, into a duplex for all intensive purposes and used airbnb to rent out rooms.

Preferably looking for a duplex or a single family home.  

The main drivers1) Local Inventory2) 10 year treasury(macro)3) Personal Debt levels(macro)4) Real Unemployment(not the unemployment number but real white collar job loss ratio'd to part time jobs). 5) Industry proliferation(can't tell me a tech or finance hub moves like a health hub).To tell me #2 will derive from the same inputs as it did in Sep/Oct, I'm willing to bet it won't.

And boom you buy a lot for the price of a single lot and with some simple forms to the city you get to re establish the old lots..

., "I will buy at least one single-family home, duplex, triplex, or fourplex before the end of 2019") and then do it.

If you cash out at the 80% LTV conventional max (assuming it's a single unit) and your new value is $575k, that makes your new loan amount $460k.

Doing few roof for single family homes in Houston.

@Jason Tucker, I'm familiar with co-living single-family homes but not an apartment complex per unit.

Your best bet is to consult with a good broker that has experience with business insurance and RE.