This outlook/method, would solve lots of people who want out of the cube's problems better than loading up on SFRs yielding $200/door/month FCF.  

I was out looking to make money and to grow a customer base which I did.

The outlook going forward is, well, less than "rosy".My $0.02 ...

Figure it out.  Look

Improper english/description of loan terms and conditions, and of course no one is going to get that interest rate.There are also a bunch of "lenders" on This site who are clueless people just spamming out looking business for perhaps legitimate lenders, maybe not, they wouldn't know how to determine that.

Ive always had a different outlook than my peers.

It's about protecting your investment.My criteria:1) Neighborhood (desirability, demographic/renter-type, economic outlook, etc.)2) Cash Flow3) Discount (e.g., equity)4) Repair costs (level of effort)5) Property Type (SFR vs multifamily)

Definitely connect with an agent that knows investment properties who can fill you in on the market condition and outlook.

I picked my numbers based on my economic outlook that our real estate market is going to keep running along with growth slowing down until 2024 when rents will stop growing.

Lastly, once I've listened to the podcasts, and met others, I would then reassess the value that you placed on Phil P, and I bet you will have a different outlook.