I am looking to connect to with any house hacker in Harris county regarding (federal and property) tax setup for the split use.

Conspiracy to commit fraud can be charged as a federal offense.While I believe in filial piety to a point, I would not go this far for your grandma or for my grandma.I doubt anyone else on BP wants to become an accomplice either...

I'm not sure if it is a just Pa or federal.

This is a different economic landscape that the federal reserve is dealing with compared to the 80's.

so it seems I shoulnd't do it if it is not fot 50K or more a 5-10K investment seems not worth the cost.since you mention carryforward loss forms, for both state and federal, since I use a CPA today, how do I know the history of the loss being carried?

The best ones I know of currently are:Penfed - up to 80% ltv on rentalAmerica First Credit Union (Utah) - up to 80% ltv on rentalNavy Federal - up to 70% ltv on rental

Ben,I missed one point:All of my comments are based on Federal Law, which you are of course subject to. 

You can appear poorer in paper for federal tax purposes.

Navy Federal is who I use but you must get a hookup to become a member.

Urban sprawl is not possible here due to unusable federal land surrounding the valley.