There is a way to work around this as laid out in the article I will link, but it can be a little stressful.

Communication is always a good way to deal with a stressful situation.

It's been a busy, stressful, REWARDING ride so far.

In the end, we were able to get that house done two months faster, but the stress was crazy.Major downside in this area is getting good contractors.

I think we have a bit of a taboo in our society about touching IRAs, when in fact if you're responsibly investing them it actually may be a MUCH BETTER decision than leaving them in the stock market. 

Without being able to walk away from bad situations, your life will be filled with constant stress.

I plan on doing this one more time next year, but then after I acquire 5 properties it will be hard to acquire more due to my debt/income ratio even with an 814 credit score and no debt other than my rental income properties.I have a serious capacity for stress and risk.

It will also take away any stress your credit is causing you. 

I can't stress enough finding an agent who has experience with investor properties!

It’s nice to stress test your assumptions and drop your occupancy to 85-90% and see what that looks like as a worst case scenario.As far as the 80/20 or 75/25 it’s probably a lender specific question as I always err on the conservative side and avoid any surprises.