Thought it was priced fairly so paid asking price.

I believe my price is fair with the comps in the area.

Is there an issue with getting set up with one or more of the credit bureaus and starting to report on our borrowers?

With middle 700 credit scores you can push your rate into the mid 6s today.

my research shows 2.99% fee with Debit or Credit card to tenant if they pay use these forms of payment.

@Brandon StainesOption 1: do nothing you stay on mortgage and good is you still own 50% of house but bad is if she defaults then it hurts your credit tooOption 2: have her buy you out but that would require a new mortgage at a much higher rateNot much else you can do.

Run a credit/screening report on yourself.

Also having a higher proportion of revenue generated through the residential component of the building does make financing easier. (3) The exception to the 80% rule I abide by is when the commercial space is leased to a credit tenant with a proven & sustainable business  or where the space presents the opportunity to attract a neighborhood amenity F&B operator (this is most beneficial in instances where you have a larger localized portfolio where these commercial tenants can positively impact the value of your overall residential portfolio).

3) Are you going to face fines for fair housing violations?

Buy them well so you can refinance out the downpayment with a Home Equity Line of Credit with lenders that will do that for you and go shopping again.