If you look at an individual deal you have done and compare doing that deal with and without debt, the deal without debt carries less risk.

How much does a suit cost today compared to 1980?

The lesson as always, study and compare the GFE and HUD statements carefully and question anything that doesn't feel right.

The house is on a quiet side street with no comparable sales over the last 5 years.

For example, assume rents for each unit are $500/month – then:$1000 month rents x 50% rule = $500 – $500 owner occupied unit = 0The upside is on a $65K FHA financed property with the typical 3.5% down with today’s interest rates, your mortgage payment will be far less than you probably would pay to “rent” a comparable place.

You can always ask a separate property manager their take on what a property would rent for and compare that to what is being charged.Then lastly, the property managers work for you, not the other way around.

You need an appraisal more than comparables - unless the comparables are in the same condition in the neighborhood.I would imagine if either party to the divorce are using an attorney, the attorney will order an appraisal.

And you can't compare the Wilshire 5000 to quality handpicked stocks either.

However houses in my neighborhood (comparable to mine) are selling upwards of $300,000. 

- I checked the surrounding area, which consists mostly of duplex or SFRs, and found almost no rentals to compare the 2/1 to at this moment.