You will need to search around locally, but I actually came across a lender who will lend 100% LTV on your primary home in a HELOC!

Also, have you verified that these folks are actually paying?

vacancy is an imaginary cost that you estimate upfront to ensure your investment can sustain itself and actually make money. you do not need to put aside any amount of money every month, as long as you have a reserve account with enough to cover your mortgage payment when the time comes. to make life easier, some investors will put this percentage aside every month to fund their reserve account, but it truly can come from your pocket, a line of credit, or any other vehicle you use.

I know the area of this property relatively well, actually, so I am interested to hear what made you what to invest in it. 

I would just ad that sometimes you need to point out the benefits of owner financing to seller like the tax is spread out over the years and he will actually get more for the propert due to interest.

If you pay once a week, do you pay in advance for cleaning services expected to occur based on your calendar at that time OR in the rears for those actually completed in the past week?

But if you're in an actual flood zone requiring FEMA backed flood insurance that is a joker that could easily come back and bite you hard if the Govt continues with it's stated intent to gradually get out of the subsidization of flood insurance. 

This is really smart because aggregators like Listsource can only provide what the county actually has. 

The reason is I know which lenders:- do a good job- stay on top of the necessary tasks- know how to be creative within the rules (some people don't fit into the standard mold of a buyer, and some lenders don't know how to get them approved, and some lenders know how to get them approved)- and which lenders can actually close deals.Another reason is, when someone wants to house hack, not all lenders are experienced in it.

My guess, and it's just that a guess, is that appreciation is going to slow and the balance of power will shift away from listing agents and be more balanced between buyer/seller (shift has already happened in no small part, actually).