I am having difficulties renting it out in the winter.

Let them know that you are available, what you are offering and that you are investor-friendly.HML's will want to see you have some skin in the especially with no experience. 

I'm just not sure that I feel comfortable fronting that much money when my partner doesn't have somewhat equal skin (money) in the game. 

They will have difficulty tracking it, yes, however, your neighbors might not like what you’re doing and report it to the city.  

Being an owner occupied duplex will add a degree of difficulty as many lenders don't like to mix primary and investments.  

I've been having a hard time trying to figure out how to accurately assess the difficulty of this in my area.

Both times the toilet supply line snapped (don’t use the overlapping metal type that look like knight’s armor or snake skin) both claims were over $30k.

Wholesalers who respond on this forum have to have the “thinnest” skin imaginable.  

I have a lot more skin in the game on this one for sure..    

.- Service Members:  These rate increases are welcome news, specifically for military members who PCS'd to a new duty station over the past year and had difficulty finding affordable housing as local market rents outpaced the annual BAH adjustments.- Lenders:  These BAH increases can equate to a significant increase in housing allowance (non-taxable income) for service members, depending on the member's location, rank, and dependent status.