Real Estate, Wellness, and Community ImpactAs I move into 2025, I’m focused on deepening my faith and prioritizing wellness, mental health, self-control, and discipline.

Use that money for real estate.

What type of loan is this?

This will be negative cash flow if using sustained maintenance /cap ex.

Any advice on how to navigate this?

Quote from @Eli Fazzo: @Will Gaston for how many investment properties can you use this 25% exemption? 

Using your $330/mo example.

There are other ways to use OPM and not be as risky about it.What you should do is leverage this money at 80% LTV and put 20% of your own money into the deals.

Using a 203k, you'll usually have quite a bit of equity that in 1-2 years you should be able to refi out of the FHA loan product into a conventional removing the MI associated with FHA loan products. 

Friendship and business don’t always mix well, so it’s critical to use a solid lease and treat this as a business arrangement.