I then modify those numbers based on the buyer's preferred down payment/return hurdles.

Do you mind expanding on how you attained closing cost and down payment?

I don't like paying interest on my down payment unless I know it's a temporary aid to get a good opportunity.

Health insurance payments, Health savings account lots of options. 

All you need is a single place to track tenant information, payment history, maintenance, and other things.

For example is a personal loan from a bank is 7.5 % that you could use as a down payment (after its seasoned), and your 401k loan is 4.5% but the 401k is expected to return 7.5% per year the money you save on one end you miss out on the other end basically and if your 401k returns are 20%, then you lose out significantly. 2.

Hi all,I brought a single family home last year in nyc with 20% down payment.

Most sellers only care if you close so you can usually use another form of capital stack other than what is on the agreement, however, the seller can force you to use the originally agreed-upon payment method. 

Focus on rebuilding your credit, saving for a down payment, and learning the local market.

Here are the numbers:$30k - avg monthly income3 options for rent vs buying$12.5k - avg monthly payment (20% down) on $2mil home$6.25k - avg monthly rent on $2mil home$6.25k - avg monthly payment (71.5% down) on $2mil home3 options for return on capital:7% - avg yearly return on 71.5% down payment (assuming 5% avg yearly appreciation in SD)10% - avg yearly return on from S&P 500>10% - avg yearly return on investment property (just an assumption, but I think you are all here because you beat the stock market)First, the $12.5k monthly is very intimidating and beyond what I should be spending on shelter (a no-go for me)