So, now that they have everything, they are stating they can't use my appraisal.

Because it equals the total value of the units @ $268,750/unit so something doesn't make sense. 

Admittedly, I am not one that typically finds paid mentorship very valuable, but I also respect that my degree is in business with a focus on real estate, and my first job out of college was in real estate (so it is a little hard for me to take my 20 yrs of knowledge and rewind it to try to view mentors from a completely fresh lens).A couple points: I view mentors, especially these expensive ones as a catch-22. 

Lets go under at $800 so now monthly expenses are $3,800.

Thank you so much! 

So I see NO conflict personally.

There’s also a good mix of duplexes, triplexes, and quads, so you’ve got options for a solid house hack.House hacking is actually how I got into real estate—I’ve done two house hacks with duplexes here in Chattanooga, and it’s been a game changer.

There is so substitute for experience.

There may be tax implications to that maneuver, so check with a CPA.

Our names go on title and our loans have the real estate as collateral so they are “secured loans.”