The greatest challenge is respect that Mom has the ability to make the business work.  

There is a good reason a reputable lender will and rightfully has the ability to charge 2-2.50% 3.

This deal highlighted our ability to identify market-ready properties and move swiftly to generate a solid profit in a short time frame.

Both of these providers have the ability to store docs and other info about your property.But if you're looking to simply track links to your mortgage servicer, utility providers, etc. a simple Google sheet should do the job.

At this point it does not matter if they have a presence on google or not as I trust their ability to sift through all the BS. 3.

In San Francisco, this choice is taken out of your hands and is instead a determination made from and by the Planning department.From an Investment POV, you are absolutely correct that combining the lower and the ground floor units is the best option to preserve your ability to perform a fast track condo conversion and generate the most equity in the shortest amount of time.

But with the ability for sponsors to buydown floating rate caps for the next 3 yrs, it is up to you if you believe their marketing.  

Yes, you get your benefit faster by improperly claiming this an expense, BUT besides it being technically incorrect it can affect your ability to get certain kinds of financing.

welcome to bp, your sentiment around leverage is 100% correct, and I'd challenge you to follow your own advice and use that leverage to put as little as possible into the real estate rather than the coveted "pay cash for it" or while one can pay cash, utilizing your w2 to refinance is a unique skill and ability you can have.house hacking in the mid west is where its at for sure.

So expect a request for a new frig, new stove, maybe a laundry room upgrade...they will keep coming until you get the ability to say "what you had when you signed the lease is all you get for the lease duration".