Sounds like you're in an exciting position to start your real estate journey again.

It sounds like you're in a good position to evaluate your options carefully.

At today’s rates, most properties at high LTV are negative even with 1% rent to value ratio   This implies the 1% rule is far from assuring positive cash flow   Good luck

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Hi Nicholas, It sounds like you’re in a great position to scale your portfolio!

With your professional background, you're in a great position to dive into multifamily investing.

We secured a 200k USD senior debt position which allows us to avoid raising so much equity.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Then, I am using Rent Property Calculator and mortgage payment to estimate if the property can yield a positive cash flow.

On the positive, he's knowledgeable and you can get a few things out of this.On the negative, you'll hear some information that is simply not true.