At the present moment in time, you have a certain net worth - no way to really change that in short term.I guess my other advice is dependent on how big your first deal is.

That will come in time.

Combine the general C atmosphere with minimum wage jobs being lost in times of covid, and you may experience tenants simply believing they do not have to pay rent anymore.

Doesn't take you out of the game.Timing-  you won't build your knowledge base up in time for this deal. 

@Rick Pozos of course and that’s certainly not what I was intimating.

If you could go back in time to when you first started real estate investing, what is one (or more!)

The school forces us to learn things that we sometimes find uninteresting, which in times deviates us from learning as a whole.

If I could go back in time my younger self would have started with a single family or duplex house hack.

You will be writing cash offers, with no financing contingencies to get it accepted, then run to one of the lenders to get the deal closed in time.

However any home improvements, major repairs, unexpected costs etc will be covered 100% by mewe had planned to take the tittle as tenants in common with a 65/35 ownership split. however this will not protect the investments I will be making into the property over time that will not be matched by my partner. we will be getting a cohabitation agreement as well. however I am still at a loss for what a fair way to split the equity in the home will be in the case of a split and sale/buyout on the property. obviously I will have invested much more than 65% of the home expenses. but there is no way to know for certain what % of the expenses I will have covered at any point in time. any advice at all in how to fairly split the home in the event of a split/sale/buy out would be greatly apreciated.