My mid-score is a 703 which puts me on the edge and in the higher rate environment anyone would like to at least minimize the interest rate as best as can be done. 

I suspect you are aware of the rising rate environment we are in at the moment.

I ended up not picking up a 2nd roommate, and decided I would pay the 300/month to have a stress free living environment. 2. 3% interest rate (Nov 2020).

Consider that almost every rental I've bought has been with 100% financing, but very low LTV (which is more difficult in the current environment), then my cash on cash return is infinite.

-investment would be in single family houses-Time to disposition would be 1 to 1.5 years, but closer to 1 year-ROI would be 12%-15%-total equity sought $1-10 million-market location is Midwest USI hear anything from .75 to 2% but was wondering since raising funds in the current environment is more difficult whether this number might be higher end of the range.

I am not sure there is a document that can protect both of you... and in today's environment just simple claim... real or imagined of abuse or hostilities and there isn't an agreement around that will survive those claims.I currently have a client who just went through the same thing.

I also think its possible we fall into a deflationary environment and rates fall, which makes this whole argument moot.

You are still leveraged too highly on your personal home in my opinion (88%) and should pay down even more - I'm not sure you could ever refinance if necessary in today's environment.

Please give us your thoughts on the current lending environment as it pertains to investors.

But from what I can gather, this doesn't seem like the best environment for doing a rehab.