I put together a spreadsheet here to help potential house hackers quickly analyze whether or not a property qualifies.There are other FHA requirements concerning which you should contact your local lender, but determining whether or not a triplex or fourplex meets the self-sufficiency rule is a good place to start as this rule will immediately eliminate many properties from your search, especially in expensive markets.

Depending on your financials, you can qualify for grants and other programs that minimize or eliminate your down payment, typically on multi families 4 units or less.5.

The grantee is going to have a gift tax applicable to them, they could have less of a tax burden with the forgiveness of debt from a seller financed note.

@John Cannon  not sure who all those people are.. but you can do sub too on any property.. with any lender.. and any lender private or not has an alienation clause in their debt instrument so they can call the loan if its alienated.

A borrower who files bankruptcy has protections under the bankruptcy law for debt collections.  

I sold my investment properties to pay off my debts and provide basic income to support my family yet the job market did not recover fast enough to avoid bankruptcy.

Regardless of all that, however, we're ultimately not taking a listing contract or representing a buyer as an agent, essentially eliminating fiduciary duties. 

Ultimately, you want the business to provide your "paycheck" (in quotes intentionally) rather than a j.o.b.Most folks want to eliminate debt, yes.

A partner 1. must be trusted and 2. has a right to know the financial aspects of the partnership, including who he's in debt to.

But is she can, she walks away free and clear, and that debt is cleared up.