Get all rents for 2021 and subtract the expenses which are Principal, Taxes, Insurance  and rehab work.2.

Here's some snippets from the HUD handbook on the subject: "A principal residence is a property that will be occupied by the borrower for the majority of the calendar year"And"FHA security instruments require a borrower to establish bona fide occupancy in a home as the borrower’s principal residence within 60 days of signing the security instrument, with continued occupancy for at least one year."

I have a new investment through a business partner that guarantees a substantial return along with the principal investment so trying to liquidate what I can and what make sense for the time.

But the principals of holding onto property and creating value by elevating properties to their highest and best use, and of using equity via refinancing, are all pretty standard principals in investing.

It was written long ago, but the principals are worth the read  We also attended a "Fortune Builders" 3 day seminar after attending a freebie 3 hour hotel seminar- they tour around the country... think the seminar was about $175 bucks for the 3 days.  

Currently have a roommate facilitating principal pay down

There is no set repayment period since the monthly payments are interest only, so you could theoretically make interest only payments for decades before finally deciding to start working on repaying the principal balance. 

That also means that buying real estate with good investment principals is not speculative.

But if you put that $100k into five properties valued at ~$100k (20% down being $20k), you'd reasonably be able to get $300/mo cashflow per month meaning $1500/mo pocket money (not to mention principal paydown, tax sheltering, and appreciation). 

Do you have any other assets you can pull equity from like a principal residence you could pull a HELOC from?