My realtor warned me not to accept this offer due to their buyers agent’s office was known to be difficult to deal with and game players.

While the end-game plays out, salaries will meet in the middle over time which means massive pain for developed countries.The only solution that I'm aware of is to handle it like Germany has.

It's all a game. Play

If you purchase a 2-4 unit multifamily in the city, more likely than not you will be in the red every month as the high prices here call for an appreciation gameplay, not cashflow. 

A numbers game played on a relationship level.

Sounds like potential game playing and a potential default again once loan is brought current. 

My city (not SF) is having a meeting in Oct to see whether or not to implement an STR ordinance so the gameplay will change.

It is  an Australian game played different from US football.

@Yuriy ShepelinYou're not providing enough details as to what type of asset you're investing in, what market, what is the strategy, how much work is involved on each partner side, how long is the holding period, what are the exits, and etc...Aside from that when evaluating a structure there are several factors you need to take into account:1) everything is negotiable2) your "designated driver" experience and personal "skin in the game" play a part in the structure3) the structure could be waterfall and/or combination of multiple things.

I don’t want to leverage my butt off, I like the Dave Ramsey style and simplistic gameplay.