The contractor that did my bathrooms suggested I knock out two walls in the master suite to create a walk-in closet in the master and rearrange the bathroom layout.  

Can you rearrange the rooms down there to keep the stairs, even if it means the extra bedroom is a bit awkward?

It would make sense that I may not have found a property that is a “deal”, but figured I’d reach out to the pros like I practice re-arranging the numbers.

This would have allowed me to rearrange some stuff at the same time too so the kitchen flowed better.

My wife and two brothers have been raised in the landlord lifestyle so we are planning on keeping everything we can, just need some short term assistance while we learn some things and rearrange our lives. 

I will look at what my options are to re-arrange the bathroom to maybe be accessed from the hallway or something.

With some work and rearranging I believe it could be converted into a duplex.

You next step is to sell this property and buy one that doesn't have negative CF...or rearrange your terms with Mom on this one so you do CF....or, just call this one what it is...a house that you and your mother live in...and not an investment.

By rearranging some walls and tapping into the plumbing of the laundry room, my contractors were able to create an additional 3/4 bath attached to the master bedroom.What was the outcome?

This way you don't need to necessarily establish physical bank accounts, you just rearrange the "geography" on the balance sheet and track the cash, as it is still an asset.