The biggest downsides are that they usually have higher rates and require larger down payments.

He bought the property pre COVID, so his cash flow is definitely going to be different than what mine will be.The question I'm wondering if its a good idea and if the numbers make sense.Purchase Price: $100,000Down payment: $20,000 (20%)Current cashflow: $900Property manager: $90 (10%)His expense for 12 months was only $1,430 (inspections, repairs, management, eviction services). 

We have created an investment plan for them to buy shares of a property, against what we put down for an initial down payment, so it accelerates there returns.

However, if you send by Zelle they had no discretion or opportunity to object and they would retain the opportunity to contest the payment.  

Your monthly payment would come out to roughly $2400/month including HOA, taxes, and insurance.

The full payment would be around $5,400 : The ADU could rent for $2k per month and you would be left with $3,400 per month on the main home.

If not I don't like this as the payment will sky rocket after the 0% intro period.2.

Down payment assistance/ a VC that partners with first time home buyers to provide a pathway to home ownership would be a welcome addition to the industry!  

.- get into real estate with a lower rate and lesser percentage down payment.

Nobody cares about libertarian political philosophies like decentralization and peer-to-peer payments when they can't afford to buy groceries this week because the value of Bitcoin is moved 20% in 2 days.