The LTVs are to restrictive on non owner occupied properties to make sense.  

I don't think it would have made sense to have them pull my credit at that time.

It makes no sense to me that I would insure a home from $1M, when the market value is $300K.

Therefore, a partnership makes sense so that the entire 8-units and commercial space is run by one entity which splits the income and expenses appropriately.Since my wife doesn't want to engage in a direct business relationship with my brother, she would prefer for us to purchase the properties seperately; how would you suggest to organize this purchase so that both parties are satisfied?

I (or my handyman) can take on replacing trim, window sills, etc. that have been fungus damaged.Does that makes sense? 

All makes perfect sense!

I think I sense where you're going. 

Makes sense.

I would read several reports throughout the country and then pick the ones that have the best numbers/make the most sense for you.Hope this helps and happy to talk further if you'd like!

Ricardo Cristobal I was living in seattle a similar primary market where the rent to value ratio a don’t make sense.