Straight proration.....it’s like you own two different properties, a primary residence and an investment property.

Of course, I’m bias because I’m a real estate investor and I recommend that you go ahead and rent your house.

Yes, worth pursuing, even at lower LTVs.Now the tough love...it's hard to get ahead financially when in a cycle of debt.

More than likely you will be selling it to an investor when it comes time to sell, so look at it like one and make sure the numbers work.Then take away the rent from your unit and as long as your net output is less than it is if you are renting elsewhere, you are still ahead.

Usually those deals get bought up straight cash (from what I have seen) and I am not that liquid right now.

If she moves out on day we officially own the house (about two months from now, she gets a generous cash-for-keys check (negotiated ahead of time, of course). 3.

Your appreciation will be tied to your income growth and cap rate, versus straight market appreciation.

Congrats on planning ahead and not letting an expensive market like NYC deter you!

@Derek Andrews Ok, I gotta set the record straight here because holly cow this thread has been a series of the absolutely worst advice and direction I have ever read on BP, ever. 

In that case he receives a lower return then if he were a debt investor of 12%.My point is equity is not always better than straight debt.