What are some less complicated ways to go about passive investment?

I would say I won't hire a lawyer in the beginning, thanks to Georgia eviction law, but I will definitely need one if things become more complicated.

Additionally, the record number of apartment unit deliveries in recent years has led to increased supply, putting downward pressure on prices, occupancy rates, and rent growth.Operational costs have also been on the rise, further complicating the financial outlook for multifamily properties.

Being a HML is incredibly complicated, and time consuming.

It does not always make sense to have the note recorded on title as it can cause other complications down the road, but that also means much less protection for the lender so it really depends on the circumstances. 

And if one pays half and nothing from the other and you need to move on to eviction it could complicate the process and increase the time it takes.

All this being said, insurance contracts are complicated and I’m by no means an attorney, just giving my .02.  

If moving suddenly complicates things, that is a risk you have to think over. 

If you have cash its not hard to analyze a property and get the loan. when you don't have cash then that is where you have to do complicated things to pay for a property that will be profitable

All of this is nuanced & complicated which is why I don't believe any single calculator exists.