When saving stategically on a fixed income, having money in an investment account can lengthen the time to save if you experience losses.Also, some lenders may want to see that money seasoned in a non-investment account when considering DTI.

Each strategy will have advantages or disadvantages and accelerate or lengthen the time it takes to achieve your goal.

Except, that by increasing the cash out of pocket (DP) you are increasing the cost of the property to the REI and decreasing the CoCR, as well as lengthening the time it takes to recover your cost (DP) and thus start making a profit.Here's an example of what I'm saying:  GivenPurchase Price of Property = $200kCash Flow before Mortgage Payment is added to expenses = 1440/MOption #1:  20% DP = $40k; Loan (30 yr) = $160kCash Flow after Mortgage Payment is added to expenses = 500/M; 6000/yrYears to recover cost (DP) = 6 years, 8 monthsOption #2: 30% DP = $60k; Loan (30 yr) = $140kCash Flow after Mortgage Payment is added to expenses = 610/M; 7320/yrYears to recover cost (DP) = 8 years, 2 months 

This will lengthen the time needed to get the full picture and is a choice I would not recommend or follow myself.No matter what you choose to do, learn the language, the metrics and how they function and get your hands on or build a ground up pro forma.I will be happy to send you some snap shots of the kind of tool you need if you like.Just let me know how to get it to you and if you want or need any help with understanding it.Wishing you the best on your journey.

Lengthen the loan term, and increase the interest rate. 

You start changing some of your parameters and lengthen a time horizon and the changes are huge.  

I would go through great lengthen's to ensure the pool is safe in every aspect possible.  

We converted the leases to NNN leases and lengthened the duration of the leases.What was the outcome?

@Christian BeebeHi Christian,If you begin construction next to existing units, you may have increased turnover and increased vacancy rates (Noise issues).Also, know that construction schedules are not always hit on time, and increased time will lengthen those two above mentioned.

This, if sustained, would compress the current A class LTRs into the current B class, and probably B into C.This probably comes with a rent compression, or a days on market lengthening, or both.