How far in the negatives are you and what kind of adjustments are you using in your calculations?

You need to have in your process to adjust the rent every year.

Now in 2021 I got 225 a night with a $150 cleaning fee and was 98% occupied may-aug and never adjusted prices due to not knowing about demand as well as pricing tools.Last summer I didn't see as great of prices just because of how crazy 2021 was but was still full.

From a risk adjusted yield without appreciation being considered, the debt by far the strongest investment. 

Also be aware that HELOCS are almost always adjustable rate.

For example, if you decide to form an LLC for your properties now but later realize a different corporate structure or combination with a trust is more suitable, you have the flexibility to make those adjustments, albeit with some inconvenience and added expense.Curtis on the accomplishments and good luck with your Investments.

You would not take less yield for something more risky, this is "risk adjusted yield". 

However, two oversights have affected my calculations: (Both dumb mistakes I can only blame myself for)Higher-than-expected property taxes and municipal fees in University Heights compared to Cleveland proper.Overly optimistic rental income estimates.After adjusting for these factors, including property management costs and other expenses, the revised cash-on-cash return is about $12,000 annually, slightly over 5%.

Or you could find a group with a 30 year fixed (or Adjustable Rate) with reduced or removed Prepayment Penalty, but they will usually charge extra points or a higher rate to do it.Not 100% sure on the strategy behind it, but would be happy to connect and talk through either.Good luck!

I love pricelabs bc it adjusts pricing automatically on what is going on for demand in the area.