Totally depends on your state and a solid New Jersey Property Manager or real estate attorney should be an asset to you here. 

@Dan Johnson - Totally, this is normally how my team and I show apartments for rent.

At the end of the year 1, I paid him a total of $5,000 in interests.

Totally agree with Daniel.Richard, Only problem I see is building a new home and getting married are both very stressful items to deal with. 

If for example a home is selling for $225,000 it will have an estimate of $1,462/month.With 25% down the calculator shows: $1,023 per month Principal and interest $806Property taxes$125Homeowners insurance$92How can I get a better idea of the total including everything?

Hello, TLDR: Work-ready SFR for full rehab on owned property, purchased for $125k in August 2023, needing $160k for rehab (total costs $285k, ARV $420k). 

Thanks so much for the welcome and lovely recommendations,definitely been absorbing lots of information online and it kinda gives you ideas  with how you want to start and where you want to start so it’s very helpful!

i keep seeing stuff online about rates are dropping.

I want to run by the biggerpockets world a potential new model I’m working on and I want to be clear this is not intended for self-promotional purposes or necessarily even something I will enact (i’m not even totally clear on the legally of this) but something I want feedback on and also to spark a discussion of alternative agent models.

People scour the online ads, Pennysaver, lawn signs, etc., and contact the agent.