Just remember, no matter how great your plan is, something will go wrong and having reserves sufficient reserves set aside will keep it at the level of problem / annoyance rather than a full on emergency.Best of luck on your investing journey.John

I understand the low CAP rate and the lack of ROI from this property but the situation has changed over the last 5 odd years and I my thinking is more inline with @Heather Schoeman and @Brian Sher. the thing is that with the rental rules changing so much and this being a part time gig I worry about the liability aspect as well as the ROI being low and me not acting on it to leverage the equity sufficiently.

It's not worth the lost sleep and stress. 

But they don't necessarily have to do it if there is sufficient evidence to support their opinion of value through other means and metrics.

"There's no way you can sleep through it, and it's extremely distracting."

Not having sufficient contacts or referral base5.

Notes to take away from first investment 1) FHA financing is very strict on self sufficient 75% to value rental income verification.

As the article states, it's statistically low and most of the problems appear to occur when host and guest sleep in the same area.

And also I learned about how I just can't buy a 6 bedroom house rent all the rooms and sleep in the living room.

But you mentioned wanting security so then do one with 20% down if that helps you sleep at night.