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Your best bet is to convince her to move.

I have been analyzing rental properties in my area and the BiggerPockets calculator has been showing cash on cash return on investment between 2% and 4%, which I found to be quite low.

@Heidi Foster beware betting long with short term money!

A house hacker may be ok with living in an area that is gentrifying or with good fundamentals for upside (you are betting here).

What is the formula or points of reference to calculate investing in a multi-family? 

Do you use a calculator Account Closed  ?

@Peggy Tibbs, you bet. 

Then go from there and use the flipping calculator to figure out how much you can offer and still make a profit.

The value that your wife is bringing to the table is actually easier to convert into a percentage of ownership in the deal because you should have a pro-forma and financial projections for the deal and the commissions that she will not charge actually have a dollar amount that is easily calculated based on the numbers you are projecting.Our business model is based on syndications for large multifamily properties where we bring equity from our investors as limited partners and we participate on the general partnership side of the deal alongside our operating partners (which in your case would be the builder).