But I don't think you necessarily have to shift away from the handwritten format.I believe that the hand written letter continues to add to that personal touch and gets the point across that you are an actual person and not some big company.

Some weeks they need me for 1 shift some weeks they don’t.

Now, I think each person has to evaluate their level of risk comfort because being highly leveraged can also create problems if there are significant market shifts.

I’m going to try to stay high level, but I will also share a lot of details so that you know the full picture.Two years ago, I decided to shift my strategy from cash flow to appreciation.

I have shifted to single color for wall to ceiling to save time cutting.

Market AnalysisMarket Shifts: Have you conducted a recent market analysis?

Alex, as we are currently in a shift, you have shown up at the right time.  

The time thing is mostly just my hours, I work 3rd shift 10 PM to 6 AM and have weekends off so my hours awake are very odd and depend on the day as I do tend to work overtime a lot. 

Recommend you just Google "commercial lease" and copy & paste to get what you want covered.If you want commercial tenant to be responsible for the building, that's known as a Triple Net Lease (also shifts taxes & insurance liability).Then you should have a real estate attorney go over and approve your copy & paste creation.

Will your partner be upset because you are getting the better end of the deal living rent free(assuming you aren't paying rent).What if only your name is on the mortgage and deed, then the tax documents will all fall on you and your tax return and not his which makes it more complicated trying to shift income to him.If there are two people on the mortgage, it will impact both your DTI ratio's equally in full hurting both of your abilities to get credit in the future until the property is sold.Why can't you do the live in flip on your own?