If she is on the title she will have to file US returns, whether you two file jointly or separately is another question best answered by your CPA or tax preparer.

Return is based on risk.

If you put in a down payment, your cash flow will improve, but the added cash is the return on your invested cash and not from the property.

Any buyer would welcome that.In return you would like to be compensated for your efforts once they purchase the deals you bring them.This is many times refered to as being a "locator" or a "bird dog".I would also learn as much as possible from these individuals.

I know more it better but what are the general spreads on cash on cash return?

I began buying SFRs and rehabbing them with the intent to hold them for a return (also, I always keep my options open).

You're young enough that even a modest return, if kept up consistently, will have you very happily retired.

As far as cash on cash return at 20% down on each scenario I come up with the following for year one: 22500 (.2) = 4500 (Down payment) 1200/4500 = 26.6 % Cash on Cash Return 360700 (.2) = 72140 (Down payment) 1200/72140 = 1.6% Cash on Cash I forgot the difference between ROI and Cash on Cash.

Tell everyone you know, that you borrow money secured by RE and pay handsome returns.

Some Pointers on Sandwich Lease Options: * You Lease Purchase the home, and then sub-lease and sub-option to a tenant buyer for a better deal * If you have a smart Owner, an Owner that wants to make money with you, you can do a JV Agreement, where you share in profit over a certain amount (you are upfront about what you are doing: guaranteeing no out of pocket payments to the Home Owner in return for positive cash flow now (income) and a possible profit when the Tenant Buyer gets funded