@India H.When you're diving into real estate investing, especially through auctions, it's essential to have your financing and structure in place.

I spend extra for the the supply house versions and rarely have issues during warranty period.

However, with your high W2 income and your partner’s weaker credit and cash flow, you might need to structure the agreement carefully.

The developers pushing agents to sell one of their townhouses as a STR really inflated the asset cost cause they were pricing it on a revenue structure, not asset.

Wondering if you have advice on me just being the bank, where I purchase a house and structure a rent to own with him and have him build up a 30% cash down payment and some equity and then me sell the house to him at a locked in price.  

Interesting about the wind-down structure, I'll look into that more. some existing HMLs that don't have cooperating banks right now and probably would be glad to have it.  

The supply of rentals would be impacted, but the final impact will depend on the local market.

I feel this gives me the flexibility to find the right solution for my client and not just sell what my bank offers.I'll also throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).

And actually, if you structure things properly you shouldn't have to worry about the tax implications at all.

"I have a very simple criteria for when an area is gentrifying as opposed to just generally improving: If it makes economic sense to buy (at market price) and tear down an existing structure in order to build and immediately sell a new building, then the area is gentrifying.