Just a follow up question, were you utilizing debt to invest, I have always been taught since a young age to try and not utilize debt (I come from a family of stock market investors, traditional business owners) where debt is not utilized as frequently which I obviously understand debt can be a very powerful tool and utilized in a great way its just something I want to avoid with my investments to an extent any suggestions for investing without debt or as little as possible. 

Making the wrong hire, overlooking the risks, taking on too much debt.

I calculate the returns on the entire investment, since your debt applies to the entire investment.

So, if you put in 20K, you could set the bid up to the amount of the 100K total debt(80K existing + 20K additional) to ensure that the property reverts to you as the lender.

any lender wants to know how you plan to service the debt.

Eliminate debt, establish a budget, and save.

If you're a good student and can get into a good college without going very deep into debt, I believe you should go.

This eliminates the problem of increasing your debt and damaging your credit score.

Let’s break this down because there’s a lot to unpack here.The real question is, how well is that debt working for you?

Her mother is willing to (co-sign) and has excellent credit and debt to income ratio that will more than allow but I’m not sure the best way to structure this for the house to still be in our name?