So, if you reached out to me with such a proposition, I'd probably explore something along the lines if setting up a blind fund whereby your returns would stay in the fund and be reinvested and compounded until such time that you wanted to start taking distributions.Note - you would have tax liabilities in the meantime, so you'd likely want to take enough distribution to cover those.

Another thought... have you ever done a compound interest analysis of 20% down payments?

Trying to invest in real estate right now would further compound this (IMHO very bad) decision.Why not... have you and her both save up like crazy for the next 5 years, and once you have more of a cushion, she can revisit the NP route? 

You will learn on the way, pick up VELOCITY - the only thing that folds compounded gains and time. 

Your goals and outcomes in life are nothing but compounded habits.

Compounded efforts and time make all the difference in real estate. 

The closer the interest rate is to the opportunity rate and shorter the period of time, the lower the ratio, due to compounding interest. 

Its always encouraged to start investing at a young age, to make great use of compounding interest to set yourself up for a great retirement later. 

You're doing quite well, and the wealth will only compound as you keep it up! 

. $70 x 3 =$270 per month cash flow. paid off house grows to $134000 @ 3% compounded annually for 10 years. 3 houses worth = $402000. $80000 mortgage paydown to $65000 x 3 = $195000= $207000 equity. 1 house @ 3% rent raise =$1344. 3 houses =$4032- $1290 payments =$2742 per month cash flow.