.- No new land to build tract homes (other than the Small Lot Ordinance homes but those are more like detached townhouses).- Labor and materials are so high that you can only build in the luxury market, making affordable housing mathematically impossible.With that said, we are seeing some cracks in the market:- Buyer fatigue is real.- Some buyers are pushing back.  

Even if you were co-borrowers on the current primary mortgage you would have to qualify with the entire payment if you were applying for a new loan solely in your name. 

A million dollar liability coverage should be sufficient for single-family & MF up to 8 units, at least.His experience is that any claims against his company have been frivolous & insurance co. settled or delayed until tenant just walked away.

My brother and I co-founded a software company in January 2021 and sold it July 2021.

Land use, zoning, and permits are notoriously strict in California, so having a big dream of what to do with big land may be kiboshed by zoning or ordinances. 

I do co-living rentals.

If chimney is used to vent furnace or water heaters, you need to have the flue inspected, and can be very pricey to reline (cracks can allow CO into building).  

I am in a co-op program which means I rotate between classes and in-field work each semester.

I thought about asking my dad to co-sign for me. he is a high income earner and has disposable income.

So zoning ordinances in Hammond may be much different than New Orleans for example.