You'll see some "frequent flyers" there. 

If it's of any interest, Walnut Street Finance frequently sponsors CAZA Investor Meetups in Alexandria.

I thought maybe this was a frequent occurrence that the lender wouldn't mind if they see I am making all the payments.

We frequently run into deals where clients are looking to borrower on undeveloped land. 

Even knowing this I find I still fall short of this mark frequently.   

I only ask because there are frequently unforeseen capital expenditures that may significantly alter your budget (ie plumbing, electrical, etc.).

We are both looking more for long term wealth building than current cash flow.Make sure when you figure how to split equity growth down the road that you factor in returning their down payment amount before splitting things.As to splitting things up on a more frequent basis - in my 3 current partnerships (3 members in each one) we do this quarterly.

So if one party is doing the administration of investments, they should frequently reconcile with the other party so as not to incur earnings from idle capital in a savings account, for example.Based on consultations with our tax attorney and the chief compliance officers of several custodians we work with, we are cautious abut clients pursuing such JV transactions.  

Cities like Indianapolis, Cleveland , Cincinnati, etc seem to come up pretty frequently. 

And if you are having trouble finding housing that is a positive for me because you may stay in my property longer.Other considerations: prefer non-smoker, how long you have lived in the area (deeper roots/ties to an area are a positive), income compared to rent, how long you have held current job, how stable your overall job history is (changing jobs yearly is not a great trend), how long you have lived at previous addresses (frequent moving/turnover costs landlords money), what Facebook profile says about you (pets, drama, responsible, crazy), what prior landlords say about you, etc.It's a shame that some lessons in life are so painful, but hopefully it ultimately leads to you being stronger and better for it.