If the guys on top (lenders, insurance companies, utilities, etc.) alleviate some weight off of us, then it makes sense to chip in as a collective unit to help out our tenants.

The main calculation is easy to understand but how to get the PV of the loan is the challenge because you have to determine the discount rate to use which is basically the interpolated treasury yield of the Weighted Average life of the loan (including balloon payments and weight average principal payments).

It lessens the risk.

If someone gave you several months upfront, that's an immediate weight lifted off your shoulders.

I likely will also add weight the amount of reserves potential tenants have.

The landlord knows all this & chose to throw down some cheap carpet over floors so rotted they don't hold weight.

Lifting Weights, Playing Basketball, Arts & Crafts With My Son4) What do you think sets apart successful investors from those who give up, fail, or never even get started?

Secondly, we have weighted Sec 8 or tenants on disability, SSI or other guaranteed income heavier than previously.Lastly, I have allowed vacancies to go unfilled despite demand from tenants I would have previously accepted.  

Look at it as a weighted average cost of capital approach. 

I think B is going to be the star performer, followed by A.Property Expense Ratio: Probably looking more in the 40-45% as opposed to 50-55%.I don't factor too much weight to this measurement.