Then as I get payments, I apply the principle portion decreasing the value of that equity account, and placing the interest income into "interest earned" under income. 

Figured if I moved into index funds I would 1) obviously drastically decrease the management fee (my advisor’s is only .75%, but still much larger than the .04%). 2) have fewer commissions as I would not be planning on selling the index funds and actively trading as I have been doing to date.

Below is the total number of rental properties available on the 18th of the month, by month, by type.As you can see, rental inventory has decreased drastically since January.

Still am short because the withdrawn money from my account is not viewed as repayment but as a further decrease of funds, in ADDITION to the gifts.Stressful, educating experience here. 

Most likely there were price decreases along the way.

Generally growing population is good, but I also don’t think minor decreasing population is that big a deal.

I completed the analysis with a $30k decrease in price at $215K.

We listed the house frantically (1% commission), staged it a little early on net 60 terms, and did several open houses, decreasing the price dramatically in hopes that I could get out quick and at least break even.

I copied this from a search on real estate ROE:Return on Equity (ROE) ratio calculates the amount of return generated in a particular year on the total amount of equity invested (or trapped) in a property.The amount invested (or denominator) is calculated as the initial investment (down payment) plus the entire increase in net property’s appreciation and the entire decrease in outstanding loan balance incurred prior to the year the ratio is being calculated.Cash-on-Cash Return is a similar calculation, but since the two draw backs of the traditional Cash-on-Cash Return are that property appreciation and principal debt payments are not factored into the formula, Return on Equity adds these two components to the traditional Cash-on-Cash Return calculation.A property’s net equity increase is calculated by determining what the “Net Sale Proceeds after Taxes” would be at the beginning of a year, and then again at the end of the year.

Short increases the chances of a return call but being too vague decreasing the chances.