Unless you have the ability to scale, the cost per hour of time spent you would make more $ working at your local burger joint.

Just a square joint.

If I get a non married couple or college kids for a Joint Tenant then I charge them each $35.

Free for Landlords, Tenants pay a small % to Cozy for those paying rent with credit cards, its free for tenants paying via ACH/EFT.

Transfers via ACH no-cost to tenants, no cost to you. 

Similar to a 401K loan, you can also look into a Margin Loan if you or your partner have an individual or joint taxable account.

NOTE** the self sufficiency only applies to 3 and 4 family purchase, so if you stick to a 2 family you can avoid that head ache.

We tried to pivot to the USDA route but either we make too much money to qualify jointly and our DTI is too high, OR if we tried to purchase individually we dont have the right DTI to cover the mortgage payment at the current rate.Im going to speak with my lender in the AM and make sure we have the final clear to close.

Historic homes/properties in the historic area can be a head-ache to purchase or develop, but the equity yield after an addition or major remodel is significant.

It is completely free for the investor/landlord, and you simply connect a bank account to it and it will guide you in having the tenants set up their method of payment (ACH transfer OR a debit/credit card {Paying with debit/credit cards charge tenants a substantial fee for using them and not using a direct bank transfer}).