Cash flow is only part of the equation.  

Take your emotions out of the equation and look at the numbers.

Remember there are variable expenses such as vacancy rates, repair rates and management fees so when someone tells you an ROI make sure your comparing apples to apples meaning create a formula you're comfortable with and then run all of your prospective properties through your equation.

There are many variables to the equation on this one.

DTI isn't even in the equation. 

KinYat Lam Stephen Anderson let's take the buyer out of the equation, let's say your a wholesaler (or maybe you are already) and you wholesale bunch of properties for the year, which percentage was higher on buyers who wanted it for flips or renting it out?

The smaller down payment will continue provide a higher return every year there after, meaning the advantage gets greater each year.Interestingly enough when you figure in the equity pay down to the equation the 15% down provides a higher return than the 20% down does from the very beginning.The only flaw to the 15% down is the smaller cash flow each year... which certainly matters.  

You then convert it and keep it as a commercial 5 or 10 year arm with a 25 year amortization loan or refinance into a conventional 30 year loan with the increase value/equity built into the new equation thus a BRRR.

My ownership equates to 70 units. 

I agree with all of your replies... the eviction should have been started and I often here BP members say you have to remove your feelings from the equation of the rental business and that's where I think we went wrong I have learned a huge lesson in this situation!