I strongly believe that with time, as you build equity (thru principal pay down) and appreciation, that value will far outweigh the amount that you are “in the red" by your househack not being able to cover the entire PITI cost.And if you have a good househack, your housing costs should be lower than what you would be paying for rent

  :) 15% is also much easier for a prospective client to understand, rather than a front-loaded "move  in fee" followed by a lower monthly fee.

If you're considering selling your home, moving into a duplex or triplex could be a smart way to lower living costs while building equity and earning rental income.

So you may just end up delaying ordinary deductions and increasing ordinary income with recapture under 1245.This also means you may get tax deductions at a rate lower for deductions when you have less income, and higher rates charged on recapture in the year of disposal.

Allentown, Lancaster, Pottstown, Coatesville, Norristown, Easton, and Levittown have diverse market conditions, with Allentown experiencing steady population growth and revitalization, Lancaster offering a mix of suburban and urban markets, Pottstown offering lower property prices.Good luck!

As such they are usually made a LOWER loan to value than institutional loans.  

Sellers did not allow us to get professionals in to give estimates for a french drain before closing (yes, our red flag we should have walked away with), but agreed to lower closing price.

@Josh Hollman To tackle your $100K credit card debt and prepare for a second rental, consider using a HELOC or Home Equity Loan on your primary residence to consolidate the debt at a lower interest rate.

And if not, what groups or people do you recommend I talk with regarding private money lending for amounts that would allow me entree into Sub-To deals that require lower capital entree fees?

I have seen, and used myself in situations I financed, the following scenario which can sometimes be used to “finance” a particularly attractive property especially where the purchase price is being executed significantly lower than appraised value.