Thought they were MFs only.I'd have a majority in the S&P 500 or total market index, sprinkled with some international. 

You can purchase the international code books for your particular needs on amazon which will give you a really good idea of what you need to do.

@Seyed JavaheriCheck out the BP Blog Post "Introduction to Internal Rate of Return (IRR)"  at https://www.biggerpockets.com/renewsblog/2010/09/0... by J SCOTT.

I'm amazed that so many people believe this.To set the record straight, it is true that, if you want to buy property in the so-called "forbidden zone (within 100 kms from an international border or 50 kms from a coastline), you have to own it through a fideicomiso (bank trust) or a Mexican corporation (a corporation is better if you own more than two properties).

You use Cap Rates to figure out which Investment is better than the other.Eventually, if you go further, you wind up learning Internal Rate of Return (IRR), which really helps you completely understand your investments over the next 10 years.Hopefully this helps.

I put the guest room on Airbnb / Facebook marketplace over the summer and had 3 female interns at 1 month each in my place at $800/mo.

While it's possible the lender has an internal overlay that was just added, there is no rule that was placed in effect with Fannie Mae.If this is a new internal overlay with the lender, just switch lenders.

I’m Amy Lieu, the Internal Operations Director at Midas Touch LLC, a small family-owned real estate investment company.

Then you would draft an OA for that LLC separate from internal OAs. 

But sometimes it's a negotiated figure based on comps and internal appraisal.