Like you, I was concerned about potentially triggering a due-on-sale clause with the lender.However, I spoke with my lender, and while he confirmed that technically this could trigger a due-on-sale clause, he also mentioned that in practice, it’s very rare.

But it’s most important to have the practicality and shrewdness to see and take advantage of it. 

You can raise capital through family, it’s actually a very common practice.

About my last email, I want to explain that I wrote it not just to say thanks but also to talk about some practical issues.

I'm a college student, and I plan to start investing in multifamily homes once I graduate, and I recently started looking at deals on Zillow just so i can practice underwriting.

It might be work just looking for deal analysis practice to see if you get closer to a number that works.

I am also becoming an agent soon and it is an illegal practice of law to draft a lease agreement as an agent and one could loose their license.

Setting standards just to deny people is BAD practice, BAD business, and ILLEGAL.

If there's something in the book you really want to learn, you will need to practice it over and over again until it sticks.

As far as the practicality, you want to look for homes with somewhat separate spaces, and theres an app now called padsplit that I've not used but have heard good things about to help with the management nuance of it.