Just wondering if it’s a borrower’s right to have 6 months of mortgage payments rolled into the loan in this circumstance.

Under no circumstances are you to do this. 

You gotta do what works for you and your circumstances.

Hello Noah,Remember Chicago is a super tenant friendly, under any circumstance do rent to anyone that does not have decent credit and atleast 3x gross income.

@Stephen Keighery you got to change with the market, I agree, and with your place in life.There is no single answer to investing as everybody is in a different place or stage in life, has different circumstances, and different tolerances and aversion for risk, loss, fear of missing out, etc. 

A mentor of mine just made a deal under a similar circumstance.

Due to unforeseen circumstances I’m having to put $120,000 in repairs into a newly purchased Duplex.

I know the benefits, however am looking for opinions as to if it would really pay off in my circumstance.

I assume this is a general guideline as circumstances may prevent that.

There exists many circumstances where a non cash flowing property at purchase can become cash flowing shortly after and others where the play is more of appreciation (aka a southern CA investment in any year from 2015-now).