That will get you to your paper break even. 

I got divorced in March of 2016, so my ex is still in the house, and I am still on the mortgage (although it is her responsibly per the divorce papers).

"Down payment assistance." consisted of raising the price and telling the people buying the paper that the people put down 20%.b. 

It's also why I think it's important to maximize investment in paper through Roth 401k/IRAs (zero tax on gains).

My inspiration after contacting 100 potential investors to create my Dream 25 List is now stemming from all the "Sure, I'll invest with you" a few months back to *ring ring ring* *voicemail* aka *crickets*.The thing about disappointment as an entrepreneur is that you can re-calibrate and go at it again..It's so easy to be discouraged, it's so easy to throw in the towel, it's so easy to convince yourself that this may not be your strong suit.. 

Paper and notaries go in and out of prisons on the daily.  

Google "piercing the veil".Now here's the one where it sounds great on paper but I'm sitting here like...ehhhhhCreating an Irrevocable Real Estate Trust for each property where the grantor (you) give the trustee (your LLC) full benefits of the property.  

Tenants that are one flat tire away from missing rent will not result in quality cash flow, and yet ironically these type of tenants are the kind that tend to rent in the type of neighborhoods that show the highest pro forma cash flow projections on paper ... too bad those cash flows aren't what you will actually get during a downturn, and you spend much of your time chasing down rent as opposed to growing your portfolio ... too bad that the increases in rents and prices will not tend to keep up with inflation in many of these neighborhoods too ...

They sell the paper off to the market.

Anyway, I would ask the companies to back up their numbers with real-life examples (on paper and real numbers).