He also said insurance and taxes can be too high eating DSCR loan with current rate and I will make less money than Ohio and Kentucky state (example).

One region of the country with natural abundance that offers present and future sanctuary is the Oregon Coast.

The VA loan is a valuable tool for veterans, offering benefits like no down payment and no private mortgage insurance (PMI).

Many times, they do offer these to their members. 

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The scale of economy in this route is very appealing and offers a different kind of stability and growth potential.I’m equally interested in both options.

Also, define how you'll share the acquisition costs, such as the down payment, renovation, and closing costs.Payment Responsibilities: Explain how to divide and pay for regular costs like mortgage, property taxes, insurance, homeowners association fees (if applicable), and upkeep expenses.Management and Maintenance: Agree on how property maintenance, repairs, and improvements will be handled, including decision-making processes, funding for these activities, and responsibilities for performing or managing the work.Single Decision Point: For example, I've seen situations where one person agreed to replace an appliance while another strongly opposed it.

Ideally, the guest pays (however that is- whether it's their insurance, etc.).

I just joined im an insurance agent and specialize in the homebuying industry! 

I'm an agent . easy negotiation, we did offer asking price since everything is selling so fast here. but there was still a good marge originally.