Spending quality time with your kids and connecting with inspirational individuals are definitely enriching pursuits outside of real estate.

Because of the weakness's each individual BRICS presents. 

I also found Brad Sumrok's apartment investing program ($35K for you and your spouse or $25K individual) which is also based in Texas. 

The tradeoff on the joint financing is going to be the (refi) costs associated w any transfer of ownership, HOWEVER transferring title to the LLC is unlikely to trigger due on sale (b/c it sounds like most banks simply aren't monitoring and/or enforcing due on sale in these instances) which would make the ownership (sans the actual mortgage note) more easily transferable than exiting your position as an individual owner?

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

If not, there could be numerous chains of the contract which can convolute things.

Actually it looks like it is by each individual housing authority if they will participate.Hate to say this, but it is going to be like finding a needle in a haystack.....borrower will need to find a lender that will do it. 

Stucco, no decks, I’m renting individual rooms, 10min away from my house, easy maintenance.

Crazy but true.Here’s a CSLB chart, if you go the individual and homeowner verification route, you’re gonna need a lot of supporting evidence of competence and testimony from who you worked for etc.  

For individuals that qualify for this, they can use their rental property losses to offset their active income.