Whiting, I'm glad to see you are thorough with your projection, but I don't care about see the decimal points on your expenses of $8,794.42 on a million dollar property. 

Florida was "decimated"  We had over 60 months worth of inventory. 

I'll reiterate that I know nothing about your local market, but assuming it's not getting completely decimated, you should probably be doing the same. 

Their are some segments of commercial that will keep plugging along like nothing has happened, and some that will be decimated. 

There are two classes of people who do well in this state, the extremely poor and the extremely wealthy, everything in the middle gets decimated. 

The 15 year can be bought down to .0625% (yes, decimal is in correct spot) and 30 year can be reduced to 1.375% for the life of the loan. 

I don't see how I'll be in a lower tax bracket.Also, with the massive amount of inflation probably incoming, buying power will get decimated and the stock market will not keep up with the real rate of inflation.I just put in enough for matching.

So for the 200K fourplex, $8500 will get your interest rate down to .0625% (minimum allowed and yes decimal is in right spot) or $14,000 will turn your 30 year rate to 1.375%. 

So using today's rates (5/2020), $14,000 can get you a 1.375% and $8500 can take the 15 year down to 0.0625% (yes, decimal is in the right spot). 

I currently have a number C class properties but the high costs of turnover seem to be decimating a year or two’s worth of cash flow so I’m looking to move to A class new construction sacrificing monthly cash flow for better appreciation in new developing suburbs and hopefully keeping more of the cash flow with more respectful tenants (lower turnover costs).