In a year or two, you can tell me I was wrong, and that you shouldn't have taken the lower offer. 

Grant is a salesman, for good or ill, so before I'd take his advice, which appeared to be wrong in this case, I'd try and figure out what he wants to sell you. 

Doesn’t mean any of that advice is wrong, but there are many different ways to structure a portfolio as you know.

It could get messy, and do your parents want to get involved and share all their finances (loans require a lot of paperwork) and have their names on the hook if something goes wrong?

I have been running numbers on a double duplex (4 units) and I think I have it correct in my spreadsheet, though would someone mind looking at the numbers with fresh eyes to see if I forgot something, or did any of the math wrong.

Two wrongs don't make a right.A large number of (mostly) low-income wage earners are demanding free rent even though they are likely to make more money, not less, due to the COVID pandemic.

Once I do this my allocation will be.25% active real estate35% passive real estate30% stock equities10% cash/money marketI cant say there is really a right/wrong answer to this question....but I see the real estate as sorta like bonds in my portfolio. 

It’s always good to see both sides so thank you.I hope I've answered your points too @Erwin Groenendijk, feel free to pick apart my calculations in case you think I've got something wrong!

Dont get me wrong this is my first property so i have much much much to learn but in my education thus far this is what makes the most sence.

If you get some great tenants and they take good care of the place, then great, you'll have some extra cash sitting around, but if not then at least you will be prepared with reserves for if something goes wrong.