I am also going to try to start dispute with my credit card.

You must never screw up and use a credit card or any other form of personal payment or your ENTIRE account is considered withdrawn and taxable. 

Essentially there are investors out there that can build a large enough portfolio with little debt that can cash flow enough for a great life.If you want to scale to many properties then you will want to consider leveraging your existing properties.

Or is qualification your main preference 1-4 unit fha conventional loans will qualify off DEBT to INCOME or DTI while commercial portfolio loans will qualify off DSCR or debt coverage service ratio (this assume you’re not going to live there if you’re going to a credit union).So you asked a loaded questioned but I gave you some questions/answers to think about if you could provide more information perhaps more commentary can be added further.

If you did not and it’s unsecured debt you could be out of luck on some or all of the money as depending on his situation unsecured creditors in a bk may receive pennies on the dollar depending on what he can afford and if converted to a ch 7 you would get wiped out.Even in 2nd position he could argue the property is underwater and wipe out your lien.

Technically, you're using equity which is better to pay off in debt so restructuring could be good, but you need to really look at the returns.

Keep an eye on your debt-to-income ratio and overall leverage to avoid overextending.

If they really want the house they will sign one lease.I can't tell you how many tenants I've had who had parents that were lawyers and pulled the "lawyer card" even before they moved in.

You would now be free & clear of any debt service and the expense impact of such.

PadSplit is not passive but it has been a mostly positive experience for me.His numbers seem realistic except PadSplit fees are typically 14.75% (not 14.25%)which is a 12% platform fee and a 2.75% stripe fee to allow members to pay their rent w a credit card.