If you want to gamble a little this could be a long term payoff but must being able to deal with the monthly loss.

@BOB CRANEY Here's a link to MD Fair Housing: https://mccr.maryland.gov/Pages/Housing-Discrimina...Familial status is a protected class, so even asking if the applicants are married could land you in a world of trouble.I think @Marc Winter's idea of "jointly and severally" language makes sense, but I'd check with a local attorney to be sure.

 There are many different ways to create a business model I would definitely make sure I understand all the laws and regulations such as fair housing discrimination fair credit reporting act and local property code before you go down this path you may be creating a lot of extra work in a lot of potential lawsuits and litigation if you’re not versed on the laws that protect tenants  I would just ask yourself what the goal of the reason you’re doing that is if it’s to save a little bit money or not deal with an incompetent property management company then you may want to change companies before you go through all of this work just as a side bar of what you’re trying to do

Real estate commission will be reduced due to my wife being a realtor.I am trying to figure out a fair deal for the owner of the lots whether it be a flat % return, a partnership split, or another type of agreement. 

As for physical property, if you live in or near an area that's reasonably affordable,has a good economy (for example if 80% of the town works for one employer you might want to stay away from there) and has fair laws pertaining to landlord/tenant issues I would look into actual property.

Is this a fair approximation?

I'm here too, but as a licensed agent we can't steer you to or from a particular neighborhood for fear of it being a fair housing violation. 

I have family in MKE and now a property so I'm back and forth fairly often, but probably not enough to hit one of their meetings. 

Just looking for some reliable and fairly-priced people in Brooklyn for interior design and contracting.Thanks!

Donald Cressey is The Fraud Triangle: 1- A perceived unshareable financial need. 2- Perceived opportunity. 3- Rationalization.Financial pressures change in life, medical care for aging parents, a family member becomes ill, college costs, mid-life crisis, substance addictions and gambling, jealousy/feeling "owed" or wronged, social pressures to "get ahead"...The biggest losses are always where there are no checks & balances, no separation of duties, no policies and procedures in place.