Gotta have some skin in the game. 

You can create your own, or there are house flipping spreadsheet templates available online 

3) It's been 5+ years since we've seen a S8 tenant lose their voucher for property damages, not paying their portion of the rent or utilities, or other lease violations (letting others move in with them).It's our opinion that #2 & #3 above are caused by overworked caseworkers not having the time to process the extra required paperwork, so they take the path of least resistance.4) S8 needs someone at the federal level to put more of the program online and streamline the process!

You’re online listing doesn’t need to be a comprehensive photo shoot of every single nook and cranny of your home  

Views, indoor pools, game rooms and proximity to attractions.

Nothing wrong with being a bit new - there are options out there for all stages of the game. 

I don't think I need to have that exactly figured out on day 1 of my first rental purchase, I need to get into the game. 

For something more robust, tools like Excel or online calculators from financial planning sites might better suit your needs.Your ROI Formula:ROI = (Net Cash Flow ÷ Total Out-of-Pocket Investment) × 100For your scenario:Net Cash Flow = Annual Rental Income - (Mortgage Payment + 401k Loan Payment + Other Expenses)Total Out-of-Pocket Investment = $40,000 cash + $50,000 loan payments over 5 years.I came across a piece in Bloomberg recently discussing creative financing, and they touched on ROI calculations for multiple loans.Personal anecdote: A buddy of mine leveraged a 401k loan for a fourplex.

Dear Wilkes-Barre-Scranton area, my name is Gabe and I'm relatively new to the real-estate game- but I'm eager to learn.

There is a reason we lenders require "skin in the game" and experience.