That's not including the unit that her boyfriend would be occupying (and any cash he might be contributing to the place on his end) or the store front.

"for rent by owner", investors)-search for non-homestead properties in your county and send postcards to those owners that own homes that meet the criteria you want to focus on-network with real estate attorneys -network with trustees in banks that offer trustee services-look up court records of landlords who have filed their own evictions and send them postcards -network with HOAs that have non-homestead properties in that association -when you see a "for rent by owner" sign in your area, send the owner a letter -join Facebook groups (for rent by owner, landlords) and being to contribute -improve your SEO on your website-find someone who can help you gather landlord info from Zillow, etc.

You have been in note industry so you must be right @ his contributions.

To contribute to this thread though-- I whole heartedly agree.

Are you maxing out retirement contributions (or employer 401k matches)? 

Chiefly, contribution limits in an SD 401(k) plan are nearly ten times higher than in an SD IRA for you and your spouse.

I have contributed to some of these.

While I no longer have health benefits or vacation time I still get to contribute to my 401K and receive my employer match on that.

This way you can avoid PMI altogether and that savings is money that will contribute to your bottom line. 

Not a tax advisor, but another method is to classify your personal purchases as capital contributions to the business.