It allows investors to buy shares of high-value assets like real estate or luxury items without full ownership.Advantages of fractional ownership:Diversification: Spread your risk by owning fractions of various assets.Accessibility: High-value assets become accessible to more investors.Passive Income: Earn without actively managing the asset.Professional Management: Management companies handle maintenance and administration.Appreciation Potential: Assets can increase in value over time.

I also considered the appreciation potential.

Does not matter from whom you borrowed and where they got the money to lend you.Third, their situation is potentially problematic.

*My future wife is supportive and would be including her income to DTI calculations as well as potential savings.

A hard money loan could facilitate your fix-and-flip project, offering quick funding despite potentially higher interest rates and shorter terms.

I'm with you @Noah Laker , I think there is huge potential in college towns and mid-to-large cities so long as you do your homework on the legal side.

Way more risk for the lender. 

Potential Solutions: (a) I'm thinking of contacting the seller directly (I obtained his/her email from already provided screenshots) and asking for the utility bills.

This knowledge is essential Assuming you source a good deal (with multiple potential exit strategies), I would then bring in a capital partner to fund the down payment or Property acquisition…and get some sort of sweat equity (depending on your experience and value brought to table) and then invest the $10,000 you do have into the deal itself to add your stake, add some skin to the game and align your interest with your capital partner.

It has a good cash flow potential, but Ive heard mixed reviews on the area.