I can do that for you if you are properly prepared with reserves and credit.

keep in mind 2.9 % or really any mortgage in the 4's was a once in a investors lifetime situation.

Then the rents would cover that payment plus the mortgage with cash left over.

I know we generally talk about redlining in terms of access to mortgages and other financial instruments, but doesn't NAR have some policies around it too and how real estate agents operate around the topic?

Down the line you should be ok with proper pricing and rising rent over time.

I could rent the other side for around 1,100 to pay down the mortgage.

I know I could have a family member co-sign a mortgage with me but not sure the best way to approach that conversation and what incentives I’d be able to offer to make it worth while for them other then their “familial duties” haha. 

With the COVID-era surge in home prices, rapid increases in mortgage rates, and rents not keeping pace, it really has gotten harder to make these deals work.

Financing options do exist: hard money loans, renovation loans, and some traditional mortgages can be used on distressed properties if criteria are met.

I make around $110k+ per year, live off around $75K, have a mortgage ($1900/mo for rent, escrow, tax), around $40K in equity, and no other debt.