If you split the equity in the future you will essentially be paying a higher price, as he would be entitled to the appreciation that has built over the time the agreement has been in place as well. 

When you price out the Principle interest taxes insurance and any HOA the rents in most states won't cover the payment unless you have BIG down payment or equity. 

Essentially taking out a second mortgage to pay for the property you mentioned.

You essentially robbing Peter to pay Paul. 

It can’t be a second residence because ether the JADU or primary residence must be the owner occupied bona fide principle residence.

Evaluating the financial ramifications of your investment is essential for making well-informed decisions.

We have gone from essentially no retirement, to excess funds while also producing generational wealth for our girls.Your best deals will be found off-market, so partner up with a few realtors in your area.

a) you can still add to the principal so you can "carve out" your principle payment , with and without pre-penaltyb) both product is still working towards your DTI Now the challenge is the following in case you dont want to add into principal: if your home doesnt have appreciation ---> then IO only product is goodif your forecast appreciation is less than 3% and interest rate is expensive and you plan to sell within 5 years --> then IO only product is good but if your forecast appreciation is greater than 6% and interest rate is cheap and you plan to keep the house more than 3-4 years ---> then better choose 10YARM/30YFRM Meant to say this loan product is useful when one is able to visualize the amortization payment and carve it out.For example, in 2013 I purchase SF for 500K.

Finding the "correct" turnkey provider is essential.

At present time you essentially have a m2m lease without the financial bonus.