In 2022, half of American renters spent over 30% of their income on rent and utilities, the highest percentage ever recorded. 

I need to update my deal profile but I moved here 2020 first buying a house hack and then slowly buying one rental a year until the last year and a half.

For now, it Looks like your roommate/tenant can cover half of your mortgage (plus hoa fees). 

half of my clients in Miami are Foreign Nationals, in todays market ive seen 7-9% depending on some factors but im not a lender, just my experience as a real estate agent

Offered to intern/work for him at half the pay as his personal assistant if he would teach me everything he knew.

I was 17 and a half years old! 

Quote from @John Friendas: Hey,My investing partner and I have reached an agreement where he would have the debt under his name and apply for it individually, and I would do the majority of the management (he is out of state and my income is half his).

Don't forget, your half brother destroyed your reputation. 

In addition, all Rent payments hereunder not made within five (5) days of the due date shall bear interest at the rate of one and one-half percent (1-1/2%) per month"The monthly rent is $1550 so the late fee is easy - I've set the account to charge 5% if the rent isn't received within the 10 days stated ($77.50).

It seems a traditional sale gobbles up half of it in closing costs.We refinanced early last year, and another refi would cost ~$5k, plus w/ the LTV, I don't think the numbers work out just right.Too bad we were too naive to even consider those offers when they were handed to us.