Instead of realizing the position I was in and strapping up my boots, I acted immaturely and found myself in and out of trouble for the next full year, until I had an epiphany and realized this was my life to live and if I didn't take a stand and create a future for myself I would only amount to being a product of my circumstances and environment.

We shake out like this:  I have more cash than time, and he has time and credit, less liquid, and some experienceI've heard and read about everything from equity stakes, to flat percentages, to 50/50 splits.  

Increase your interest rate to the highest rate you could possibly be required to rate (this is specifically important if you have a variable rate (ARM) or a commercial loan product (which are usually adjustable but not always)).

They also won't lend to an LLC using a residential conventional loan product.

For instance if you do a single family house hack there's the homestyle loan. https://www.fanniemae.com/singlefamily/homestyle-renovationA mortgage broker or agent in your area can probably help get you info on someone who can provide you with some other types of loans. 203k is probably the most involved loan product for residential that I know of with the most tedious process.

Asking Price is 556k        Appraised Value "Sales comparison approach" 598k         Built in 2004Decent location in the middle of townAll units currently rented "Units leased are 1 year leases" Unit A Leased Dec 2018 $775Unit B Leased Sept 1 2018 $700Unit C Leased Nov 2018 $900Unit D Same renter for 3 years, month to month current rent $850, they are upping the rent to $900 in Feb 2019Unit E Leased Oct 2018 $900Unit F same renter for 2 years, month to month current rent $850, they are upping the rent to $900 in Feb 2019Unit G Leased in April 7 2018- March 31, 2019 $700 Unit H same renter for 3 years, month to month current rent $675, they are upping rent to $725 in Feb 2019Total current income = $6,350   After rent increase next month income will be $6500Expenses - Tax $817- Est.

I had also been unable to get regular mortgages on SFRs or duplexes at regular national or local banks before.BD Lending can find loan products for buy & holds with any number of units, which include 30-year fixed or adjustable rate mortgages.

Many members are experts in their respective fields related to real estate investing, whether that is real estate brokerage, wholesaling, flipping, buy and hold, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.There are some pretty cool discounts on various products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proIf you haven’t checked it out already, the Bigger Pockets blog features links to their awesome podcast and many great articles: https://www.biggerpockets.com/renewsblog/

@Russell Brazil yes, both products can be used for 1-4 unit properties. 

A cheap, and easy way to tile countertops is using a product called Musselbound at lowes.