It is currently occupied but tenant will be out at end of month.  

For comparison, that $20,000 could be matched to be $40,000 and invested in the stock market.Stock market index fund, $20K invest plus $20K match ($40K total) at 6% annual return:Total stock market at the end of 20 years is $121,024Rental property $100K, $20K down payment, 20 year loan at 4.5%:Property value at 3% annual appreciation, paid off at end of 20 years is $175,350Rent collected at $1000 per month, 3% annual increase, after 50% expenses and mortgage payment of $500 over 20 years is $64,022Total rental property at the end of 20 years, net rents plus property value is $239,372The results are very interesting.

Markets have a tendency to surprise us and do what people least expect.   

I do not understand why there is a tendency to exclude a small capital investor or single investment into a world that has no complexity.

Is it really only half the work when you represent both sides....I think not.Banks do have a tendency to look a little harder at a deal where the agent has both sides, and rightly so.

@Danny Tao, yes I always recommend rich dad poor dad, set for life, and never split the difference.

I have a tendency to overthink things.

Businesses often have an incentive to suppress income growth and literally have a tendency to oppose wage increases vehemently.( https://research.stlouisfed.org/fred2/series/COMPHAI )

I think that was my point these deals do not have litigation or mediation value. there Is not enough profit to litigate or mediate over... in my mind have the money and have the worker.. worker must trust money to pay at end..

But I am aware that I have a tendency to want to go overboard and take the upgrades too far.