It can be tricky balancing the cash flow equation in some of the really good areas though. 

The refinance can often be the trickier part of the equation with lower valued properties.

When you put 5 people in the equation, the chances that perspectives will change even within the first year or so are very high.

@Will Sholy If there is lots of equity so you can take the bank out of the equation sure. 

They tell me part of the reason to increase rates and tighten credit requirements is to reduce the flood and only deal with people who are very likely to be approved.You seem to keep equating what is happening now to the financial crash of 2008.

So that is a very unstable situation because all 3 parts in this equation want to see their power prevail.

That now removes the electricity from the rent equation and should give you more flexibility (ie $1500 before including everything vs $1500 without electricity). 

Well that certainly took a lot of risk out of the equation, didn't it. 

I forget what that is called.Example: Purchase home depot for 60.25 / Citibank credit card charge for 60.25 = equation balances.

If you know that the hard money loan is going to only loan 85% of the purchase price would you figure 15% down drop down tab when doing the brrrrr method or leave that out of the equation?