Given the overall tone of your post I would agree an index fund is probably a better choice for you

Whatever you ultimately decide upon, make sure both sides are satisfied and agree to it.

My 2 cents: I could be wrong, but from reading your posts it feels like you might ready be trying to talk your way into this situation as being a good investment choice just so you can keep the house in the family.

If it was my choice I would have gone for architecture technology.

However, the holding costs are ultimately higher as you have no income during this time.

Whether you own a SFR or apartment building, it ultimately comes down to what tenants you select.

I'd rather have as little of my own money in a deal as possible, so if my only choices were 20% or 25%, I'd choose 20%, but honestly, I try to find ways to keep all my money out of the deal, period.I'll borrow so I can offer cash on a property and get it at a cheaper price so that when I refinance, even though they keep "25%" equity in the house, the refinance is on a higher value than what I paid.

I feel like I am making the right mental choices but its hard not to believe I am overthinking things.Has anyone else felt like they have analysis paralysis? 

Ultimately, when the female tenant shows up, they’ll want to meet your gf/wife/significant other, there is no way around it.

Ultimately, when the female tenant shows up, they’ll want to meet your gf/wife/significant other, there is no way around it.