I had some liquidity and time, so I hustled and got in with more experienced guys who were able to bring track record to the table (An agency lender will not lend to you, no matter how much money you have, unless you or someone on the team has experience with multifamily). 

It requires us to take her to out of state to her agency once or twice a month and this is a great road tripping experience.

and forget any of these mainstream how to's junk.The problem with these "How To's" is  that it almost looks like they are written by people that have no clue how it is to be in your shoes.People that write this stuff write it  already knowing how to do it.

Just to clarify and respond to questions:I am working with my tenant (the one on the lease), her family, and am in contact with the detectives and other agencies helping her.  

I do get a 1099-Misc from each agency I work with. 

Conventional lenders such as agencies and banks are a great option for stabilized properties. 

Many government agencies that provide mosquito control services receive complaint calls about biting midges.

Target groups are students and  young pros.I want to start a real estate agency and bring in some goods working practices from the States.

Bruce, have you and the broker looked at agency financing programs that might extend that to 30 years with that 25% down? 

They are classified as “severely cost-burdened” by federal housing agencies as a result."