Things do happen and plans change so typically the bank will not care if payments are made.

Save that cash flow up for your next down payment.  

Typically higher down payment and higher interest, but an option nonetheless. 

To find competitive pricing, look into the rental prices of nearby multifamily properties that are comparable to yours.Take into account all of the running costs, such as insurance, maintenance, taxes on the property, utilities (if not individually metered), and, if necessary, property management fees.Take into account the principle and interest payments associated with your mortgage.

Consider that the other unit is paying or close to paying the debt service and you have little to no house payment. 

-what type of low down payment financing options do I have outside of FHA?

The number of properties needed to generate $15k in net profit each month can vary greatly depending on several factors:Purchase price and down payment: More expensive homes require higher initial investment, but may also generate higher rental income.

Documentation is Key Gather all the communication you've had with the contractor, records of payments, and any information about the work done.

I have about 60K in Heloc money I could use to purchase land lot in the Red River Gorge of Campton KY, pay that land off with the heloc, then use that paid off land to secure a construction loan from the bank or PM lender for a new ground up build.

Personal Property: $30,000                    Personal Liability: $300,000                    Replacement Cost: Included                    Medical Payments: $1000                    Loss of Use: $6,000                    Property Damage to Others: $500                    Mold Property Damage: $10000                   Mold Liability: $50000                  Tenant Pet Damage: $500                  Additional Interest: Myself (the landlord)2) With above coverage added to renter insurance, do I make it mandatory for the tenant to have a separate pet liability insurance?