Victor is there a way where you are not made the bad person??

I’ve read quite a few posts about foreign investor financing but most seem to deal with non-citizen investors without US credit or personal tax filings.

RELATIONSHIP WITH YOUR ADVISORS 🤝Good QIs:Work well with your teamRespect professional boundariesCommunicate clearlyStay in their laneRemember: The best QI relationships are professional, not personal!

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Hi Adam,The seller pays the seller commissions and (usually) covers the buyers commissions as well so you shouldn't worry about those fees.The 10% vs 20% I feel like is a personal opinion.

The property is insured on your behalf, personally. 

Either way, $600 in cash flow should actually help your personal DTI if you go for conventional financing on a primary again. 

I'm thinking now though that it may be more appropriate to attempt that a little further on down the road once my own personal risk tolerance could accept it.

You missed an important item: Depending on how a person does #1 or #2, it could get them: A fast-pass to the "Principles Office" for "bullying" and now there sitting in "detention".... 

Quote from @Sara Valentine: I have rented my personal home as a fully furnished/lots of amenities 3 month rental jan, feb, and march the past 3 years.