We have a "webdav" collaborative environment at my day job, so I can use that in combination with goodreader to store documents and books.

In a time where we have the best prices in a generation on SFRs, along with banks reluctance to lend on small less-expensive properties, and investor's frustration with equity markets and low bond/CD yields creating a conducive environment to offer them something vastly better, I can't think of any topic that would potentially be more important to those trying to build a portfolio of 1-4 unit properties to critical mass.I am in the process of putting together the materials I plan to use for discussions with prospective private lenders, and it seemed a great opportunity to have a robust discussion on what others are doing, and engage in idea-sharing.What works for you?

:cry: In a normal investing environment (i.e. fix and flip or buy and hold investing) margins are generally very thin.

Excess cash sitting on your balance sheet is losing money in this environment.

Bryan, I hope you get some good answers.IMO, you can't be over leveraged buying right now... given the lending environment and the requirement for 25%, I don't see the market dropping that much further that you couldn't bail on a property bought with 25% down now.So, there's my answer... over 75% of current FMV would be over leveraged...

A stagflationary environment could put pressure on rents and maintenance on a building could cost more.

Hi all, new to site.I am looking for any thoughts on a mortgage issue.What I am looking to do is obtain a new mortgage that would be for both property #1 and #2 ( new property ).Right now property #1 mortgage is for about 20-25% of the value of the bldg, and I have DCR of 1:2.1If I buy the other property as well, the combined LTV would be 50%If I took out a new combined mortgage for 15 years my DCR would be a 1:1.8 not inclusive of any income from property #2The properties are under an LLC, why would the bank want me to Personally guarantee the note?

(use the TILA - Truth In Lending Act) which shows you the APR for your loan, this is inclusive of fees and charges and is designed to provide the consumer with a comparison tool.

But, by specifically stating a "Cash Flow" number that doesn't include these expenses, you ARE ignoring them.To not ignore them, your cash flow statement should be, for example:Cash Flow: $309 MINUS OPERATING EXPENSESAt very least, you should include a disclaimer to the effect of, "The Cash Flow and ROI numbers do not reflect the inclusion of operating expenses; actual cash flow and ROI will be lower."

I moved my business from Chicago to Atlanta 7 months ago due to a better business environment and to invest in SFRs locally.