I agree it’s not that great but it’s not a pure financial loss either (it would become only if you lack sufficient liquidity to operate the asset as planned over the period).

She was a complete joy to work with, and the cost was reasonable.

All they wanted was $3000 down and I could go out and find a house and I could really get this joy and satisfaction of REI kicked into high gear.

Some out of pure desperation, some out of lack of honor and human decency. 

.- If Spouse A can prove that Spouse B has paid 100% of the mortgage on-time for 12 months from purely segregated accounts (NO deposits from Spouse A into B's account), then Spouse A can have the mortgage excluded from DTI.

That means in two years you would be made whole...and the cashflow is all pure profit.CoCR is a great way to measure a good deal. 

There's a mixed feeling of stress and joy that I actually find rather pleasant, but it would be alleviated if someone could offer advice on how to approach lenders on this forum.Thanks for listening,Daniel Rogers

@Don Jackson In my experience, retail buyers (which is what you're describing) will always pay more than pure investors.  

Remember a house hack investment works easier than if your a pure investor.  

I have been a active Real Estate Agent in the Jacksonville, FL area for the past 2 years, i'm also a veteran that served in the U.S Navy for ten years. i am a young motivated and hungry individual who wants to learn as much as possible about Real Estate Investing. i'm eared to get involved with investing in real estate to obtain financial freedom so that i'm able to provide my family and myself a joyful and fulfilled life.so till next time everyone thanks, have a great day and happy investing.R/Kenneth