I’m looking to get my second house later this year.

There's no reason to contact someone who already said no, unless it's much later, 6 months at the very least.

If her having a job is a area of real concern for you, you could rent to the boy friend only and then add the girl friend to the lease later when she moves to the area and has secured a job.

Those are low prices for storage even at the rates you are expecting later on.

But here we are, 7 years later.

The out of state lender, I am working with, told me that if I obtain a conventional loan then transfer the property to multi-member LLC at a later point, that might violate the ownership stipulation that was made at the time of the loan origination. 

It may later get to the point where it is not safe for her to live alone in your property and you are considered evil by some family members for wanting to encourage her to live somewhere where she can have help with her activities of daily living.

You can build your model up to be much more complicated, I use the BRRR method so mine accounts for a few extra variables that I’ll mention later.3.Prepare your data.Running lots of scenarios does not mean that you get to skip on the due diligence to understand your costs.

Those guys could be helpful later when you know what you are doing but their interest rates are high and they will eat you alive if you don't have your ducks in a row.

The later you plan on retiring the better a 15 yr looks.