. - Lenders are not balance sheet lenders.

See below for the numbers:Home Market Value: ~525kLoan Balance: ~476kEquity: ~50kMortgage Payment: $2570Rent Price: $2650Property Manager: 10% (potentially 7% w/military discount from a referral I got)Cashflow: $-185/month, $-2,220/yr1st year Equity Payoff from tenant: $11,561It's a 4 bed, 3.5 bath home built in 2011 that only requires some new paint to be rent ready.

Could easily pay off entire loan balance or inject a large amount of equity in order to refinance and still make the deal work.- Puts material equity into the deal, in the form of cash. - 750+ credit score- Pays legal fee for seller to have representation from lawyer to walk them through the terms of the subject-to deal, including making it very clear that there are extremely real, and potentially devastating risks in the event of buyer default.Irresponsible/unethical Sub-to buyer looks like this:- Poor/no credit - Would not qualify for the mortgage they are taking over payments for, much less a new mortgage if a forced refinance event happens.- Is attempting to get 100 subject-to deals, but is not even capitalized to pay off or inject enough equity to refinance a single one of the acquired deals to have it qualify for refinance, much less a few dozen of them. 

How do you balance the workload between seasoned agents and newcomers?

Balancing risk and reward is crucial in real estate investing.Bottom LineThere’s no one-size-fits-all answer.

Mine are 5% of loan balance if prepaid within 1 year, 3% within 2 years, 1% within 3 years. 

Think about the policies and communications around the classic boy/girl friend and unauthorized person lease terms and procedures (from on-boarding through screening and lease signing).....But if it is really too stressful, look at your scale (is duplex or ten-plex right for you and your work/life balance), your market (the neighborhood --working class or upper class), your team (like a good eviction lawyer or contractor) and see if it is a good fit...

All that is due is your principal balance.

Don’t have all of the numbers here but your cash on cash looks out of balance.  

The number of homes listed for sale is expected to rise, providing some relief to buyers but not significantly shifting the market balance.