I would check the rules in all of your jurisdictions.

A 10-15 year return on a multifamily property in Boston will create life changing wealth and will obliterate returns from other, cheaper markets.

This is the best platform to create and build a lucrative investment team. 

For added liability protection, consider setting up an LLC for the rental, though this may have limited impact if the mortgage is in your name.This post does not create a CPA-Client relationship.

If they work independently, set their schedule, and use their resources, they might qualify as a 1099 contractor, but misclassification risks IRS penalties.Wages for W-2 employees and payments to 1099 contractors are both deductible business expenses, but compliance is key.This post does not create a CPA-Client relationship.

As a lender, fostering relationships has been an incredible opportunity to create a healthier local real estate market. 

They are using rules to add multiple ADUs.Here is a list of why adding a single ADU in dingle family  zoned areas in my CA market is typically a poor RE investment:1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.

It will cut down on the fake accounts created to promote certain individuals, markets etc.

What I wrote above does not create an attorney/client relationship between us.

I am now under the suspicion that their friend, the one who is still living at the property, is the one who created separate accounts for all three of them and did the signing for each individual who is under this lease agreement.