Borrowing power is poor with no income, so I dont want to use all my cash to pay down debt.

@Doug Pretorius I totally agree with you however I would hypothesize that there are some powerful persuasive dynamics that are present when negotiating an offer to purchase that are lacking in an option to purchase. 

Well they  are recorded at the county.. most large counties will have some techy guy that sells a list.one of the west coast power houses in this arena is getting ready to go nationwide and when that happens you will have it all on your phone.. 

I really saw the power of real estate when she sold a mobile home on 2 acres in SC for ~$100,000 profit.

I am still a fairly new investor and am still working on building my power team. 

I would love to get some feedback as I'm approaching a negotiation that was unexpected. 

How long did the rehab on the vacant side take and were there any unexpected surprises? 

As first time investors this gave us some comfort that the mortgage was fully covered even if we incurred unexpected expenses or vacancies. 

Could be more difficult to cash flow as an investment property once you move out (if not renting out by the room)More affected by a vacancy (if not rented out by the room)More labor intensive if you rent out by the room.Not able to apply rental to increase buying powerMFR ProsPrivacy/separation from your tenantsStill have the ability to rent out rooms in your unit for extra incomeLess affected by vacanciesAbility to apply rental income to your income thus allowing you to increase your purchasing powerAbility to scale fasterMFR ConsMore expensiveCan be difficult to live rent free in high cost of living marketsCan be more difficult to sell (but not always and/or if priced correctly)Lending rules change when purchasing multiple units

For owner-occupied homes yes DTI will lower your purchase power-and I have a loan program where in case you have a good amount of assets then DTI will not matter.