That can happen if you buy a home that needs a little TLC or renovations and after the upgrade the new ARV might put you at that 85% LTV or lower, possibly even be able to take cash out.As a first time home owner you can use FHA 3.5% down or Fannie Mae 3% down (single family).

It worked fine for basics, and I even did some barely passable permit drawings on it, but it is by no means pro-quality.  

The MIRR formula works even better because the cash flow from the rental property is not automatically reinvested into the property.I think that building a spreadsheet with both scenarios, stocks, and rental property would answer this question.

As Lindsey mentioned a lease is important and sometimes even a small security deposit.

Even more reason to not worry about it.

I'm not even criticizing them.

Its not even the risk of getting sued, most platforms (that are legit and operate in the US) won't even authorize your campaign if it looks scammy or that you don't have consent.

You may be even selling some of these smaller assets and roll the equity into the bigger dealsThese small deals can make an investor incredibly wealthy, especially if the equity is owned by a few investors.

In the eyes of the law, any legal conflict between you and your guest will be treated as a landlord / tenant conflict even if the rental is a room in your own home.  

If you are okay with someone painting over your original woodwork (even though the lease says they can't) or ruining your marble countertops when they dye their hair (true stories) then you may be emotionally hardened enough to rent your original home that you have lovingly designed.Consider, also that at times you will have to carry two large mortgage payments and decide if you are willing to do that.