If someone is working with a lower balance of funds like I am, than I'm more likely to prefer cashflow so that I can continue to afford the property as well as my life style.If I had some disposable income that was in excess of what I need to live on, than I'm more inclined to look forward towards appreciation because I would have enough wealth to take the hit now for the bigger payment in the future. 

Detroit is known as the highest rent to price ratio in the country…and we’ve found the perfect balance of price/location within the area.Here is a picture of my portfolio...

I wish they could find a balance between finding a real problem and scaring the crap out of a buyer.

The key is balancing your dreams with practicality.

At that time, he would pay whatever the remaining balance was on the mortgage and would waive his right to inspection. 

Which scenario leads to cheaper, after tax cost of funds, balanced against your risk tolerance?

Typically in those types of arrangements when money is coming in the door it goes to the money partner first to lower their balance as you are splitting profits not income. 

The best investment I ever made was a long-listed property... put just enough down to get the agent paid and the owner financed the balance for 30 years.

Glad to hear you've got a balanced situation.

I've witnessed decreased credit scores, rising credit balances, and stricter underwriter guidelines.