I recommend you contact Capital Concepts out of Las Colinas.

Their videos, webinars and web content have been a huge help in presenting what the concept of shared ownership looks like in real life.  

The concept isn't that complicated and the first one lays it out pretty well. 

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

If not, pay off the mortgage all at once.This will help keep you from rationalizing a bad rental purchase just because you earmarked the funds for it. 

Most assignors in my area of Texas have virtually no concept of the real costs associated with an investment, including acquisition, hold, remodel and sale costs.

Ok, wow....I actually love all of those concepts.

All of these are legitimate tax concepts.

The bonds example was very helpful and made the concept much easier to grasp.

I have been a traditional REI to date but love the co-living concept ... and ROI when done right!