(which is derived from the 75% rule.

So long as your down payment and closing costs stay below $120K, your return on that investment will be 10% or better -- just in the form of savings instead of earnings.If you're living in a high-cost area like NYC or LA, the savings derived from house hacking can be a game changer even if you aren't living for free.Best,Jon 

This number was derived by 40 (min months left)/48 (total months) * 33. 

The invoice - which was derived from my other business - also indicates overdue invoices incur late fees at the rate of 1.9%/month (25.34%/annum) {Hey!

The more good rental comps you have, the more accurate your rent estimate that is derived from these comps. 

Even if the home is vacant at the time of purchase, rental income can be used in this fashion.Refinancing - refinaning isn't so cut and dry but here are the two scenariosIf the investment property is reported on the previous year tax returns, and those returns show a complete year of income (365-366 days) then the income will be derived from the tax returnsIf the investment property was not claimed on the tax returns, or the year was a partial year, and the customer can show just cause as to why (meaning, they just purchased it - so providing the HUD/CD from when they bought it) then an executed lease can be used to qualify rental income.  

Granted some of that vibe might be derived from the awkwardly incorrect posts on charging points, but I think the OP has some undertones that are cavalier too.In the OP, the first line, "I am looking to lend some money to a RE friend for one year for her seed money to buy an investment home

The income you will derive from an STR will go a long way towards paying off your mortgage (if you have one) much sooner so you can expand your empire.Hope this helps.  

I'm not in any way affiliated with the course or do i derive any income from it, rather I think it is courses like this that will eventually bring about a change in the way to look at and value green property, and eventually the way lenders make loans for such properties.Read more about it at http://www.examiner.com/examiner/x-23548-Seattle-Commercial-Real-Estate-Examiner~y2009m9d14-Green-lending--the-future-of-real-estate-finance.Most of the lenders i've seen advertise green loans really aren't doing anything special.

If the property is not a current rental you must find out what the Market Rental rates are for the area.While I'm at it did you use comps to derive your ARV?