If you're buying as an owner occupant, your interest rate will be about 1% lower, so you'd be closer to 35% down.But with low risk real estate investments you typically have an appreciating asset, and high rent growth.But if you are buying with a VA loan with 0% down the reality is 100% leverage, it will take many years and interest rate drops to get to break even.

I instantly distrust sponsors who paint a rosier picture than the reality. 

@Mariam Diong Harsh reality; nobody is going to guide you.If you're completely new to REI and don't have connections (me back in 2018) you have to learn it on your own.

What you see in the pictures here does not make justice of reality.

That's a cute solution but not based on reality. 

The cash flow looks amazing on paper but in reality it doesn't come close. 

So what we did was we’d direct Lo Ball Ho to a property that was over priced where we wanted to “shock” the seller into (hopefully) getting a grip on reality.

What you get from me is honest, no BS, reality check advice and tips to help you not just buy a property, but set you up for future success if you are wanting to scale this into something bigger.

It's only a material problem if they aren't providing to the greater society, and the reality is it's hard to tell right now but I would bet you'd see the one's in real control appreciate their contributions more than they find it a detriment. 

To me, this is a marital question.When we talk with house-hacking buyers or investors in Colorado, we insist that both partners are on the phone because so often they say they're on the same page when in reality one partner wants to house hack and the other wants to nest.