need help on analysis for current lenders options for investors

[Trish Wilson]

I just watched the video of David Greene for the 90 day challenge which was very good. Thank you David. As I am trying to help investors here in Idaho find the right passive income investment properties for them, I have to deal with lenders who are giving a higher interest rate like 8% or so. A 40 year loan with interest only payment options for the first year or first three years. And a downpayment of 20-25%. 

Using your rental calculator, the title company's calculator and online calculator, it is quite difficult to find a more accurate number. I am getting negative cashflow on almost every property. Unless, there is a way to do analysis better or I am not finding the right investment property.

Is there anyone in this group, who has encountered the same situation? Or is there anyone who can help us figure this out properly?

I would appreciate any feedback or sharing of your own experience on this matter.

TW