My view is there is more protection on a wrap than a sub to and with the right disclosures and underwriting can be an alternative option. 

(This option would would not carry any debt, all debt would be paid in cash)Or keep our current house, rent it out, and cash flow NET monthly about $1,500?

But there’s another option that’s often overlooked: mortgage recasting.

I would finish 4/6 rooms down there with proper egress and optional ventilation.

You need the backup option in case the mid-term rental market changes.Minimizing turn costs and downtime is critical.

Account Closed a PMC has two options to get liability insurance (tenant slip & fall) protection:1) Get added to owner's policy as Additionally Insured (NOT named insured).2) Setup a master commercial policy and add every property they manage to it and then charge those owners the cost of the policy.Otherwise, a PMC CANNOT get liability coverage on a property they have no ownership interest in.So, nothing wrong with their request.

I still think that the appreciation question boils down to the "Do people with options want to live here?"

Have you spoken to an immigration lawyer about your options? 

I also worked with a great lender who helped navigate financing options, including my HELOC, to make the deal happen.

Shared housing provides affordable, flexible rental options for young professionals, remote workers, and students.As shown above, co-living properties have more demand than traditional two-bedroom units and appeal to a wider tenant base.2.