<prompt> Human: Im using a throwaway account so that I am comfortable talking figures. First off, Id like to point out that I realise I am very lucky to be asking you guys about investing rather than debt. I am 22 years old, studying at university. I have little overheads as I have moved back into my parents house. The majority of my expenses are visiting my girlfriend who lives on the other side of the country.My brother 17, sister 27 and I inherited a house with a value of 120,000 along with around 20,000 each when a close relative passed away.We are currently renting the house out after wasting a lot of money keeping it empty while we tried to work out what to do. Now that we are splitting a bit of income, my sister asked my brother and I if we should save the rent to go towards a deposit on a second property.My response was that we already have enough savings between us to put down a sizeable payment on a property, but either way i doubt a bank would be willing to grant the three of us a mortgage; our brother is working full time at a bank but is only 17, Im a student and my sister is self employed. I questioned whether we could take out a mortgage or loan out against the value of our current property to buy outright a second property, and then look at using the rental income to put deposits down further?Would it be worth investigating these options or investing our money elsewhere? Should we consider forming a limited liability company to host our portfolio? Thanks for reading.  <response>: Probably best to minimize the extent to which you do business with siblings. If you get along well this one house might work out fine; otherwise the best course might be to sell that house, and then you use your share to make a deposit on another property thats in your name only. Its likely that someones going to want to cash out at some point, which will obviously be more difficult the more properties you own together. 