I also want to avoid the insurance company issuing out a payment in both the names of the Lender and property owner .... which could lead to a dispute.For context, I lent money privately to another investor, who put up their non-homestead property as collateral.

I am new to the real estate investing and I am having a hard time with hard money lenders to lend money. 

Another cheaper option would be to just separate the meter and have the two tenants pay for their own electric.

However, the property taxes increases in my area and now the rent no longer covers the mortgage.

., why would someone just add your name to their house? 

The mother has continued to pay the property taxes and has kept them current.

The spreadsheets look pretty nice.

or not worth the extra money?

Hi BP, I'm an investor from the Portland area.

To all aspiring house hackers and those aiming for a single-family primary to hold it as a long-term rental, what are your biggest frustrations likely keeping you from jumping in the game?