I’m an associate broker with a small boutique real estate agency, and we recently got an opportunity to be the leasing agency for a couple of larger commercial buildings here in town.

Buyers and sellers want to work with full time real estate agents, and if you are working with client, and are not as responsive as todays consumers expect you to be, you could jeopardize your own credibility, and the brokers/agencies.

I had only been with this agency for 6 months. 

I'm 31 and work in data and analysis at an advertising agency. 

The lowest amount I've seen is 20%, your best bet being an Agency loan.  

Just to add to the above, a good insurance agency/broker will call around for you to find the right coverage for you.

The seller can be a bank, agency, estate or homeowner. 

Umbrellas are available from nearly every insurance agency and are extremely common for investors.On the commercial side, refinancing is more difficult and costly so the BRRR really works best with residential loans.

Example (Buy & Hold):Purchase price: € 150.000,00Downpayment: € 35.000,00Additional cost for buying: € 25.188,00 (legal, tax, agency fee, cleaning, mortgage fee)Renovation cost: € 10.000,00Monthly Mortgage Payment (PI): € 487,34 (annual interest € 2.267,28, annual principal € 3.581,91)Tax on income: flat 21%Total annual operating income: € 16.111,20Total annual operating expense: € 6.060,00Question:How do you calculate cash on cash return (ROI)? 

Thereafter, I’d like to focus on my Sports Agency business and continue building wealth - perhaps progress to commercial deals!