We have nice middle class houses we rent.

Medium term I would likely look to combine the middle and lower units.

When folks fill out the find a lender form that have not put in the simple research into what it takes to buy a house or investment property, the euphoria quickly fades and they go back to work and forget they ever filled it out.New client inquiries from the "Find a Lender" platform keep coming in the middle of the night when I'm sleeping and cannot reach out immediately.

Hi @Bobby Valcin, what you're describing is exactly what I'm currently in the middle of doing! 

They are friends with the money, and that is all.All these new regulations are going to hurt the working / middle class, and turn us closer into a state run country. 

That is part of your return and you have to account for it.Since the beginning of time middle people have basically exploited inefficiencies in the market but eventually get eliminated or their role is drastically reduced: travel agents, stock brokers, floor traders, money changers, banks with tellers, cashiers, book stores, etc...

INNER city urban  is not small town middle America population 20k..  

@Badri MalynurThere are 100’s of funds that start at $10 or $100 now and do not require to be accreditedI am also not a fan at all of the fund of funds / customizable model as when the deal goes bad you are several levels from the sponsor and just paying a middle person fees that are not needed

Not so much in a stable middle.

But for the unit you’re living in, you can’t do that.2.50/50 Split: Since you’re splitting expenses down the middle, make sure you both agree on how that’s going to work, especially since your unit won’t be bringing in rent.3.Your Unit: You won’t get to write off depreciation or rental deductions for the unit you’re living in, but you might still get homeowner perks like mortgage interest deductions.4.Partnership Stuff: Just make sure you and your partner are on the same page about how you’re splitting costs, income, and who’s handling what.Might be worth chatting with a tax pro to make sure everything’s set up right.