We agreed upon the profits from the Airbnb's being for the property bills and debts that have accrued while working together, i.e credit cards and other loans pulled while those specific properties were being renovated.

After five years you'll have earned $90,000 in rent income and gained $34,000 in appreciation.Buy four houses with $50,000 down on each.

If it is a brand new entity with 1 to 2 bank accounts with no credit cards, it might be cheaper. 

It is 6.6% today, but who knows in five years.

For example, your credit card could have a line of credit up to $25,000 but you don't pay anything as long as your balance is $0.

High Credit card utilization is better than a abundance of missed payments or recent bankruptcies.

They also offer group pricing for up to five members.

There are five exceptions to the definition of beneficial owner.

@Hardy Davis  As long as you've lived in the property for two out of the previous five years, you could qualify for the 121 exclusion.

But being that they may see the insurance change it might pique their interest in that change … you can always ask them - most banks will gladly advise you of their policies regarding such items 4 plexes are attractive acquisitions… I’m not sure I would bump it to five if it were me.All the best!