These relationships are just as valuable as the property itself.From there, run the math: financing options (FHA multifamily loans can sometimes work if you live in one unit), projected rents, expenses, and reserves.

How committed are you and want do you really want are the real questions.I'm leaving out so much, but maybe you can read between the lines:Kinda like a calculator, if you don't have the math knowledge, sure a calculator can help you do some basic math, but if you have a scientific calculator would you need it/want to even learn it?

But, the market is still strange and it's hard to make the math work outside of the tax savings.

Most underwrite & sell to the secondary market where things are regulated.

Secondary financing is possible for primary residence purchases in many scenarios, but that’s a different topic. • This process is fully above board and handled directly through the loan servicer.

.- Basis adjustments: Renting out more of the home (like when Brother A’s room converts) increases the depreciable basis percentage, so the math isn’t static...it evolves year to year.

Do the math on average stay for both and combine. 

But if you are only looking at it as a way to save some money once or twice a year, your time is better spent elsewhere.I would also do the math and compare it to your W2 job now.

But here's what I discovered: PMI removal might be the better play.The Math That Made Me ActMy numbers:- Original loan: $468,000 (90% LTV)- Current value: ~$530,000 (conservative estimate based on recent comps)- Current balance: $451,000 (after 2.5 years of payments)- Current LTV: 85.1%To get to 80% LTV, I needed my balance at $424,000.

I invest in the Midwest, and my approach is to focus on properties that cash flow reliably first—look good is secondary.