@Andrew McManamonusing your numbers, which I assume come from the amortization table...5.5% for 30 years = $5.68 per $1,000$5.68 (x) = $1000x = $1000/$5.68 = 176.1 (rounding)176.1 * $1000 = $176,100$176,100or4.5% for 20 years = $6.40 per $1,000$6.40 (x) = $1000x = $1000/$6.40 = 156.3 (rounding)156.3 * $1000 = $156,300$156,300Therefore, the largest loan the buyer can afford is 5.5% at 30 years or $176,100

(should of taken my offer when it was on the table)

He is an incredibly bright guy who brings a lot of great analysis to the table. 

Without an expert, you are at the mercy of the condemning agency's expert opinion  Since my attorney refused to use me as an expert, all that was on the table was the $75,000 opinion set by my appraiser. 

@Jake SalibaYou are right, at this point of my life, because of the little amount of money I bring to the table on a monthly basis, purchasing a multifamily might not be the best plan of action.

I go back and forth, some days just want to sell and get out of this ghetto, other days I think I'm leaving money on the table,thus my post to the forum.  

Trevor S Foster Buy J Scott 's book and use nearly upper end of his table.

Established investment companies told me they just pay cash under the table.

They updated one building 5 lecture rooms, new chairs, and tables.  

Leaving money on the table is no bueno.