Operating agreement reflects 50/50 ownership of LLC with money partner entitled to initial investment (down payment and closing costs) + 50% of appreciation when the property is sold in the future (leaving you entitled to 50% of appreciation and 50% of principal pay down).

Income is good but not reflected on tax returns yes as I was W2 till December 22' 

Over the past two years, I derived an annual income of around $12k from a part-time online sales venture, which is duly reflected in my tax filings.I am navigating the prospect of obtaining an FHA loan for house hacking.

If that's the case, cash flow could be your preferred choice.Ultimately, the path that's right for you depends on your financial goals and your comfort level with risk.Just like choosing between the roller coaster and the merry-go-round, it's about finding the investment strategy that aligns with your personality and objectives.Remember, there's no one-size-fits-all answer in real estate investment.Both paths have their advantages, and the key is to select the one that suits your individual preferences and goals.So, take a moment to reflect on what kind of ride you want in your investment journey, and you'll be on your way to making the right choice.

@Brent Huling I think your best action to effectively register your displeasure with the appraiser is to quietly and politely tell the bank (client) about this, maybe follow up in writing and suggest that they not be given consideration when applying for future appraisals, as their demeanor, conduct and perhaps ethics didn't reflect well on their client--the bank.As i understand it, banks have a list of approved appraisers they can choose from, just as they have a list of title companies and counsel, etc.

I will update to reflect these are for sale and will close in January.

Seller credits are still very common - Buyers will ask for 1-3% credits which isn't reflected in the sale price.

There are some additional discussions about it in another thread:https://www.biggerpockets.com/forums/52/topics/505...Once it's passed my application and lease agreement will reflect it.I just had another applicant who called and when I said no pet she said "I have a support animal", I said what kind? 

To me this is invaluable, and I think just the generated number without comps is fairly useless.It is important to find the comps that best reflect the subject property to get an accurate idea. 

The good news is that these price increases are also reflected in property prices and appraisals that are coming in - so it's not a one-sided game.