@Stephen Rooker umbrella insurance policy

Other than owning her own home, zero debt, she has no experience.

You should consult with your lawyer and make that decision based on their advice and your tolerance for risk.3 - I am not a huge fan of paying off properties especially if I just have one.

Would being an appraisal and knowing how to appraise the value of a property be better or knowing the underwriting process of a real estate transaction be better Just want to do something that I can put some money In my pockets while Im there but at the same time work doing something that teaches me and helps me In my aspirations of becoming a real estate investor with zero funds and experience imThanks guys any advice would help.

It has zero to.do with their calculations, so I wouldn't bother trying to justify.

I need some advice as this is something I haven't seen in my short years of investing and I scoured the forums and articles looking...I was offered a deal but in being a bit aggressive to start this year my equity is tied up for a couple months, but the cash flow is amazing($572) and overall ROI for this buy and hold looks great on a single family with a current long term renter, zero repairs needed, so even though I hadn't tried before I thought I would offer seller financing.Seller has agreed and after negotiating we've agreed to terms that offer that cash flow I mentioned above and give immediate equity, but he wants $5k down and I can't change that.

Zero is not ok. 

So it doesn't matter if you have zero experience. 

He had zero interest in property management, tenants, etc. 3.

It certainly makes it difficult to get into those, as (if you're like me) you are financing and can't risk a zero condition offer.Flipping in Smiths Falls I think would be a good choice.