Just ensure the agreement is clear and formalized.Pooling reserves across properties might make sense if you’re confident in your cash flow and other contingencies.

While most investment loans require at least 15-20% down, there are a few creative financing options that allow for less than 10% down:1.

Encourages Larger Investments: By offering higher returns at higher tiers, you incentivize investors to allocate more capital to your projects.Builds Long-Term Relationships: Investors appreciate being rewarded for deeper commitments, which helps foster trust and repeat business.Scales with Your Business: This structure can align with the complexity or scale of your projects, ensuring that you have the resources you need while staying competitive in the market.Key Benefits to InvestorsSecurity: Deals can be secured by tangible assets, such as a deed of trust or promissory note, providing peace of mind.Flexibility: Payments can be structured to suit the investor’s needs—monthly, quarterly, or upon project completion.Attractive Returns: With returns starting at 15%, investors often see better yields than traditional investment vehicles, like stocks or mutual funds.How We’ve Implemented ThisThis structure works particularly well for our large renovation or development projects where multiple investors may be involved.

For example, if you are in a 24% tax bracket and the house is valued at $200,000, your potential tax savings might be around $48,000 (24% of $200,000), but that's a rough estimate and assumes you're itemizing.It's always a good idea to consult a tax professional to ensure you're maximizing your deduction and following all the necessary procedures for your donation.

Work with them to ensure they feel comfortable with you as the new property owner.

There i a bit of research that needs to be completed early on in order to get a good judgement on the feasibility of this; from there, the "Official" way to ensure you could pursue this would be to request a "Zoning Opinion Letter" to receive an Official decision from the Department of Zoning in order to ensure this will not cause any issues during your permit review. 

If anyone has any suggestions on how to deal with Baselane, the tenant or other creative options ... all ears! 

Save $$$, get creative on a rehab to cut the budget, look for cheaper RE, or leverage PM.

If she lives rent-free, you retain control of the property but lose the ability to claim rental-related deductions.For long-term planning, consult a CPA and attorney to ensure compliance with tax rules and align ownership structure with your goals, including potential conversion to a rental or estate planning considerations.

It’s wise to start with breaking even and ensure you're comfortable with the costs involved.Happy to connect if you'd like to discuss more!