There are many assumptions within this calculation, assuming only 1-2 years of tenancy, and assuming 2500-3000 for turn over costs.

So, if they learn that a new owner has title, they can call the whole note due anyway because the new owner was not processed through an appropriate assumption of the loan.  

For simplicity, we will focus on revocable living trusts since I will make the assumption that most people reading this will want to retain their assets and manage them while they are alive.

So the assumption at the time of contract was that the SOP didn't apply as the Spouse had no interest in the property (signed disclaimer deed).   

I'm assuming you're brand new based on your original post, so excuse me if this assumption is wrong.But on that assumption, it would be in your best interest to get some education on REI before starting that journey.

In hindsight, my assumption is, being that they are creating the LLC, the contract would need to be under the LLC name, which to me is counter productive because you have to wait until the LLC is created, etc before submitting an offer, let alone getting an executed contract.

Makes the assumption that contributing to charities is standard practice.

Apparently chase assumes 1% of the HELOC against debt so i am being slapped with a $4350 payment assumption despite having 0 outstanding balance on it.

I've heard people refer to the return on T-bills as the risk free rate, but even that's contingent on the government remaining solvent :)There's no way I'd go through the trouble of operating income properties for a 10% return either.. and I'd like to assume most others wouldn't either.. although seeing some of the price to rent ratios for recent sales around the nicer suburbs in my area makes me question that assumption sometimes...All in all the thrust of the argument was that a reasonably competent investor should not have much trouble securing, at the very minimum, a 10% return on their capital without taking on excessive risk or administrative burden. 

But, it does show that the assumptions you make when doing your modeling about inflation's impact on your income and expenses can be far reaching over a 40 year analysis.If it matters, this was based on a property in Severance, Colorado (near Fort Collins, Windsor, Greeley areas) but I don't think the property in this example has a huge impact on the difference between the scenarios.