From what I understand, the standard commission for agents are 6% of the final purchase price. 1.5% goes to the buyer's agent, 1.5% goes to the seller's agent, and 1.5% goes to each of their respective agencies. 

If you have a respectable amount of cash on hand, I suggest seeking owner-financing deals that will enable you to get : a property, experience & you can negotiate a deal to pay a balloon through a conventional loan in a set time frame once you are able to qualify for a loan.

Hi all,Is it possible to have a partner go in on a househacking arrangement to allow for homeowner financing on a duplex type property while still arranging for financial protection legally for a partner investor that doesn't have title to the property.I know that you'd have to have someone tied to the property personally to qualify for FHA terms and things of that nature but are there agreements that can be drawn up with respect to divvying up cash flow coming from the property?

You cannot accept this out of respect for your future renters. 

If the lead turns out to be deep into pre-foreclosure then you can respectfully back out or refer them to someone who can help them. 

Also, in an inflationary environment (which I think we can bank on long-term), cash is worth far more in the earlier years than in the latter years. 

And I respectfully disagree with all the comments that it's OK to take a public stance on issues that affect our industry.

I look forward to learning and interacting in this great environment.

After carefully and strategically placing myself in US and Canadian markets I could use some advice from people in those respective areas, as I don't claim to be an expert at all.

You can get some of this information of the HUD web site where they calculate the reduction in subsidy amount based on what the tenant pays directly vs. what the landlord pays.Assuming there is a panel in each unit, separately metering that may be possible but again, would not be cheap to set up.With respect to individually metering of all utilities, it is obviously much preferable, but not always pragmatic.