If you give out 50% to someone that just puts up the DP, I'll meet you tomorrow morning with cash in hand.Take all the jobs/roles any of the partners must do, and apply a percentage to each based on the relationship/value to eachother. 

  #11 is optional and only applies if you're married: What does my spouse think of all this and how much are we on the same page with this venture? 

As of yesterday morning, I hit my goal about 2 months ahead of schedule.Reading, IMO, is also pretty meaningless unless you actually do something with it, apply it, and challenge yourself to grow in some way.

I don't like word-of-mouth referrals because the individual shows up to apply and usually doesn't know that we're planning to increase rent or make other changes that didn't apply to the previous tenant.

I apply and i get reject each time.

If permit is needed and I do it without the permit, will I be fined if the township finds out that I had replaced it without applying for one?

Since originally applying, I have hooked up with a partner who will own 50% of an LLC we are creating for this joint venture.

Create an S corporation and apply for the loan via the S corporation.B.

@Helen Zhang, their explanation is pretty clear: it does not apply to your situation:Social Security Integration (permitted disparity) is designed for multi-participant plans and is not generally appropriate for a Self-Employed 401(k) Retirement Plan, self-employed individuals, or owner-only businesses.

But your rate is coming with $1839 in credit, so the numbers work out to basically a wash, as in $0 even though the credit is being applied to different things (everything w/ a (L) to the far right).