We only accept Section 8 in Source of Income protection  cities.Section 8 in it's current form is the kiss of death for low income residents.

You’re exactly right, co-living only works long-term when the systems run tighter than the tenants do.In my experience, once you put the right guardrails in place, the model becomes low-touch and predictable.

@Bonnie Low  How does baselane handle credit card transactions?

It can be a powerful way to offset W-2 income—especially for high earners and the self-employed.

Your options are as follows(Depending on if you are still with your employer and if they allow loans)1.

Verifying last 2-years of rental history and income/employment extremely important to find the “best of the worst”.Tenant Default: 20-30% probability of eviction or early lease termination.Section 8: Class D rents meet program requirements, often challenges to pass Section 8 inspection.Vacancies: 20%+, depending on market conditions and tenant screening.Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciation.Where did we get our FICO credit score information from?

That is in effect what you are doing when you allocate $0 for PM.Your maintenance/cap ex is far too low for 2 units (~4x low) if trying t allocate sustaining costs.  

And we investors do care because the Fed is in the ~3rd-4th inning of a Fed Rate cut cycle amidst restrictive monetary policy, which has thrown the housing/real estate sector into year 3+ of an activity recession (because of interest rates, oh, and the government borrowed and spent like drunken sailors).Limited Inflation and Labor Market Data, So We Go PrivateThe Fed has a dual mandate to promote maximum employment and stable prices (aka low inflation).

For those of you getting low projections, have you checked the market the property is in and the active listings on AirDNA, versus how many active listings there actually are? 

Demand is strong, vacancy is low, and it has that established neighborhood stickiness that tends to hold value even during slower markets.