Triplexes specifically are harder to come by, but your same idea can apply to a duplex or quadplex.To echo a great point though: even if you are not positively cash flowing in year 1 (maybe even 2), you are still DRASTICALLY reducing your monthly payments and saving lots of money a year.

In either scenario, my friend and I would either be applying for a loan together, or I would apply for it under my name only.

Same concept applies here.

It doesn't sound like you're trying t apply pressure at all and that a reasonable date - maybe 30 days as she did pay first month (just a thought, obviously not legal advice) rent would be enough for both parties. 

You have 3 very different treatments:deducted immediatelycapitalized and later depreciated as part of the property acquisition costnot deductible at allWhich one applies under which circumstances is not only complicated but also controversial.

Or we are all wrong and modern economic theory is flawed and no longer applies...

For another $50k in credit (we originally applied for $300), we didn't feel it was worth the time or $.

I didn't know that they'd count it if it was unused at the time if applying for financing for a property.

For several years we tried applying for a loan modification with Wells Fargo with no success.

The child's father is not applying for tenancy, but I just didn't want any problems to arise if he was still in the picture.