I definitely agree that the cashflow should be the overriding factor, I was more or less giving you an out if after breaking down all other factors you were still unsure.  

.: What you mention: Your SDIRA and yourself own 50% each of the real estate, there are some factors to consider prior to completing the transaction:Biggest one being Enabling: Did you (as a disqualified party), enable your SDIRA to complete the transaction?

Calculate how much extra this tenant's habit is costing you and factor it into the rent or add an extra charge for excess utility use.

Let me get the smudges off my crystal ball from the last time I used it in 2015 and bought bitcoin before it jumped in value.When predicting which real estate market will increase in value to the greatest degree in 2016, it is imperative to look at certain factors that contribute to an increase in overall demand.

But as @Steve Vaughanpoints out, it really depends on local factors, like taxes and insurance.

I know that this will vary on location, the bank, and other economic factors. 

If it is determined that your silent partner does have an ownership interest in the property for income tax purposes, it may or may not be possible to exchange into their property depending on a number of factors.

If you have a rate of 5% right now and can drop to 4% with $5,000 in closing costs, then you would have to decide how long you would have to keep the loan to save enough money to pay for the costs.Loans work off simple interest, so you do not have to factor in how long you have had the loan to make sense of it.  

With the description of your proximity this will affect demand significantly.He also stated proximity to campus isn't a key decision factor for students anymore.  

Sounds like some kind of factoring company deal...there is nobody I am aware of loaning their money interest free for a year.