The discussion I would like to start is centered around interest rates and the future of the housing market.

I also would like to acquire my own multi-family properties, as well, in the future. 

Don't try to predict the future too much. 

Here's where it gets odd.Jack wants me to be the sole borrower on the property, on our joint project.Jack wants me to not tell the bank about my source of rehab funds because it'll "complicate things with the bank"The bank has capped my borrowing limit at $250,000, which is above the necessary $295,000 to do the deal.As a workaround, Jack will be the sole provider of rehab funds (personal funds, cash)Jack wants me to give him one of my personal checks so he can write future offers.Is this a strategic way to expedite the rehab-lending process?

we are thinking to acquire a 30 or 50 units apartments in the near future, but every where is expensive and does not make sense, is Sacramento or Stockton having those with good cash flow?

They saw what their parents went through, they don't like being tied down, and they will rent for the foreseeable future. 

I will likely be adding umbrella coverage sometime in the near future assuming I can find something at a reasonable rate that will cover all of my activities.

I'm Sharon Gutowski, a possible future real estate investor from St.

This can have longer term DTI implications that impact future mortgages, potentially. - Have the funds lent to you, secured by your primary residence as a private mortgage, and it's no longer a gift.

See link above,  it may help to figure out future taxes.You have to be careful how far out you go with comps in Cleveland, make sure your comps are coming from a small radius, I would go out a half mile - a mile max.