Is it ultimately a better structure to be "partners" but individually conduct investments with the assistance of one another?

Any assistance is greatly appreciated.Thank you! 

He has offered to assist me with getting my first property.

I am so grateful to be a part of this BP family and hope I can assist in any way possible. 

Hi Julie,I am putting provisions in my lease rider for late fees (my place is in Jersey City).I had an attorney assist me with writing and the legality of my lease rider.So to answer your question.Based on what my attorney has approved for me to include in my lease rider.it is permissible to charge late fees in NJ (please check with your own attorney).In section 7 of the NJ realtors standard form of residential document, there are provisions made to include a late fee.http://www.bhnj.com/pdf/NJ_Rea...

were you able to boost the property's value?

As well as which skilled professional might be able to assist with that.

As for the premium, many times Investors will raise their deductibles in order to boost their cash flow.

I may be able to assist you with your real estate needs depending on what those needs are exactly.

Looking forward to any further discussion to assist.