It is likely they won't leave unless you force the issue by an immediate rent raise that was what I was referring to regarding the holidays so @Scott M. is right you can take your time with the terms.

Your personal finances and credit score don't have as much impact.

The issue with multiple people appearing on the loan documents, is that 100% of the monthly debt amount will be impacted on each lendee's DTI ratio.

Does anyone have any suggestions for doing this without the it being structured and feeling forced or like a speed dating event?

Before you purchase you need to know IF you can refinance into a low rate 30 year loan or if you are going to be forced to do short term hard money.

I know this will be a large financial decision that impacts me for years to come and I want some thoughts on my strategy.

If all I do is get on here and do 1 post a day, it will force me to be present and dig into all there is to offer here. 

@Divanshu Arora I'm actually very curious to see the impact of Covid on the market.

Purchase price: $165,000 Cash invested: $5,000 Represented my investor buyer client who was looking for a good buy and hold property to force appreciate the value buy renovating and rent out each unit for cash flow and do Cash-out refi to pull out equity originally put into the deal to find next investment (BRRR)