So as it is, you would not be getting a good enough deal.

If the deal is good enough and you do not have private funds then see if the numbers work with hard money.

ROI of 12%, which isn't good enough for me (I'm assuming 20% down).

I played around with using an 84 month unsecured loan for around 12% to purchase the property but the small positive cashflow this way is not good enough to keep over the 7 years - I've used a high vacancy, repair, and capex to set aside additional funds though.

Think about it this way: If a company is good enough to be charging insurance prices, why aren't they??

As it crosses the LT (Long Term) Average Occupancy, it's a good enough market to build new apartment buildings.

All of these sources with have different rules, but many don't require a down payment if the deal is good enough.

This is my first property/rental, so I'm still learning and trying to get an idea of what's "good enough" and what's "too much".

With what you've mentioned in the post, if you're providing them with well maintained grass and clean sidewalks, I think that's good enough.

Assets a plenty to pay the loan off many times over, but debt to income ratio is not good enough for conventional financing.