Steve, if you are working with an ethical property manager, you have nothing to worry about.

Also, gauging whether or not you align with the ethics and culture of the company is crucial considering those are the people you are going to be spending the vast majority of your time with.

And, in an ethical fund, the investment sponsor has first loss capital and eats any defaults dollar for dollar. 

The beauty with the seller paid is that the money goes into an escrow account and if you refi or sell during the buy down period, the left over funds go towards the principle, so it’s not lost like if you were to buy down the rate with points and then sold/refi in the next few years.Hope that makes sense but let me know if there’s any other considerations or something I misunderstood and we can continue brainstorming!

Now, IF we were to get into the world of a subject-to acquisition, the occasional ethical buyer might look like this:- Extremely well-capitalized.

I got the sense that he has an ethic of service and is out to make a contribution, also as someone with military background (discipline) and active faith (trustworthiness).

Check out the link above, but the main principle of house hacking is as follows:House hacking refers to ways to generate income from your home.

Depending on how far along this loan is in the amortization, there could be additional benefit in keeping the original mortgage in place because more of the PI payment is going to principle, opposed to if you were to take a new loan, where a majority of the PI payment will be going towards interest.As far as the negotiation goes, my method is to simply do run a few scenarios, making sure to add in whatever ROR or whatever metric you want to have as your investment criteria.

What's your plan for instilling principles of frugality and investing into the minds of your kids? 

These are professionals with additional training and a stricter code of ethics.