What we decided on was an 80/20 split in Jeff's favor.   

These will frequently be against the landlord and in favor of the tenant.

How can I make this deal favorable enough for you to lend? 

I really like that property, we really leveraged our position against the seller to get a favorable price (they wanted ($109K) but we presented an offer at $65K and I submitted several data points with the offer to justify the price. 

., until you get to a point where you can no longer use Fannie Mae and Freddie Mac financing, get a good umbrella liability policy so you can enjoy the more favorable financing.https://www.biggerpockets.com/renewsblog/the-tradi...

@Ryan Keenan I agree with @Michael Notoa residential loan has more favorable terms.  

The Solo 401(k) also has the advantage of being more favorable for real estate investments using debt-financing such as a mortgage - as the 401(k) is exempted from a small tax called UDFI that an IRA would pay on the percentage of income derived from the borrowed money.So, as you continue your research and get feedback here on BP, think about what type of program will best suit you needs and be sure to ask questions along that line. 

If you can get conventional financing, that would be ideal because the rate/terms would be the most favorable, but you would do each property separately (which is a better way to go anyway) and you would have to qualify full doc.  

It's not doing OP nor his CPA a favor to say "these are what your options are" when we don't know the facts and circumstances. 

Much easier with much more favorable terms to get a HELOC on an owner occupied property than an investment property.