Roberto Santana I do "extra payments" (not really, just pay extra each month) for my commerical property because I want a lower loan balance (and payment) when the 5 year period is up.

The right business can help boost rents in an area, and commerical tenants tend to be low maintenance, long term renters.Separating the utilities is a good long term plan, but why not wait until you've built up some cash from the property so that you're re-investing the funds back into the building?

It happening in a multi million dollar commerical deal...you'd probably got equal or better chance of winning lotto.A lower cap rate could cash flow more if it had a higher operating income. 

LOL.I sometimes wonder why these folks dont just get into the business and learn it from the ground up and create a lasting income / career.IE   Licensed AGent and if you want to do commerical style real estate deals get in with that company broker.Mortgage lender   private /  or licensed RMLOProperty management work for development company doing land Ackall sorts of jobs out there that will give you the skills to add to and grow your business.wholesaling is so tough for most.. granted some have the skills but not many. 

Maybe not a neighborhood i woud live in, but it's working class.I like the idea of bigger commerical multi-family properties as you can diversify your risk of vacancy and the effect on your bottom line as compared to a duplex.FinExaminer- Your train of thought is right in line with mine.

It also might be hard to get a loan with your partnership, unless you go with a commerical loan (as opposed to a residential loan in your personal names).

I am thinking of HELOC but banks that i contacted suggested either they dont do HELOC for investment property and some of them required appraisal and will do only commerical credit line.Refinance for a 40K investment property is not looking very cost effective but that is an option that i am keeping it open.Promissary note on my property that something i did not explore.

Financial advisors have most of their networth in stocks and most of the top commercial brokers do not personally own any commerical properties, but many do own either apartments, multi-family, and single family homes which I believe are the best real estate asset classes to own in your personal retirement portfolio. 

I am using it as an AirBNB and plan to expand into commerical real estate.

I have established a good relationship with one of the commerical lending officers.