I think each type of lien is different in each state (HOA vs.

Holders of those loans may never sell their house since the cost to buy a different similar house would be astronomical, and unless a move was absolutely needed, they just wont sell.

Their initial setup is quite a bit different from Stessa.

So, knowing what value YOU bring makes a big difference in how well things will go. 

Do you think we should structure it differently?

Solar on main house. 

One of the main reasons I was interested in Solar was because of the added equity to my home.

The only type of partnerships that make sense are between people that bring different skillsets to the table, but even then: have a written agreement and a clearly defined (!)

that is the pro :-) we always forget the cons :a) current appreciation is very different right now, some CA property is getting hot but FL and TX experienced price reductionb) SF condo has depreciation, but san mateo condo has appreciation lolc) dont forget eviction, maintenance, tree falling, renter not paying, insurance increase a lot and property tax also increasethe risk/reward in rental today's market is not as enticing as 12 months ago.no more 10% appreciation with 7.4% mortgage rate.

This is something to keep in mind as you continue to expand your rental strategy and explore different platforms.