To transition to multi-family properties, research landlord-friendly states like Texas, Florida, Tennessee, and Indiana with favorable eviction laws, lower taxes, and higher rental demand.

It is based on performing loans where the mortgage payment is not higher than $600 and they have shown at least 5 years of payment history and get this, they have no higher than a 50% LTV so the homeowners are very motivated to not walk away from all that equity.

Firstly, it often generates higher rental income compared to long-term leases, particularly in desirable locations or during peak seasons.

Are you looking for higher cash returns, greater appreciation, or a good mix of both? 

should I adjust the rent, considering I know the same floor plan could be higher?

these investors are expecting returns far higher than 10%.  

Credit score- the higher the best. 760-780+ generally gets best pricing for investment property loans with most lenders.

In Italy your second house or even a duplex section the income is taxed higher.  

Additionally, your brother would inherit your cost basis for the gifted portion, potentially leading to higher capital gains taxes if he sells later.

Im not a tax expert but it seems like this would be an important distinction as the fundamental structure of the financing is different and dictates who is earning interest income.