Ok, so playing devils advocate (I've always believed in low LTV for safety), and out of curiosity; If you only lose money when you sell and make when you buy, and I have no plans on selling during the downs of the up and down cycles, and if my cash flow is unaffected / unrelated to market value swings, and I keep more money in reserve should I over leverage and push LTV to say 95% - is this a bad thing?

How much equity will I accrue after the year and a half?

So if you're contributing 50k to the deal, then you should be pocketing (ideally) 5000 per year and you would split the equity in the property that accrues over time (if you were to both co-sign).

I live in North Carolina and I am required to keep deposits separate from my normal checking account. if you keep the security deposit in a account that accrues interest some states require you to pay the interest to the tenant when you refund their deposit.

I'm not from Mass but have been checking on this post out of curiosity since I don't really understand why to limit access to the basement. 

Furthermore, the advice about what I should do even if it doesn't meet the 1% rule took a lot of weight off my shoulders. average rent from the last three comps comp 1: 2/1  rent: 950comp 2: 2/1 rent: 992comp 3: 1/1 rent :1,025In response to curiosity.- The reasoning behind converting it to a 2/2 came about when I walked the home. being that the home doesn't have a large floor plan the third bedroom ate up a lot of space.

Be mindful to accrue for future replacement of all those septic tanks. 

Whether you're creating a post, or a reel, it's good to start your post (or video), with something that will pique a follower's curiosity and pull them into the main focus of your post, and finally end with a call to action (usually something to encourage them to comment something below). 

There is absolutely 0 curiosity on the reasoning for this, NAHB (National Association of Home Builders) has been warning of this for about a decade, as well as all of us in the building world, to which we were widely ignored, well here ya go. 

Who was your lender out of curiosity?