You have a future on Wall Street...Joking aside, many syndications investments return mid single digit cash on cash returns in the early years...and your cost of debt will be 3-4% minimum; so, you won't make much of a CoC return during the early years and most of your return would come at the sale of the property.The answer to your question lies somewhere in between keeping no leverage on your personal balance sheet and max leverage.

As a native Californian and having been in CO for 10 years, the boom-bust cycles are annoying; might as well play at the casino. 

@Mike PerezMetro Detroit (my rental portfolio is here)Purchase: $80k-$130kRent: $1200-$1500ROI: 10-14%Cash flow: $250-$350/doorAppreciation: Double digit (for past 10 years, will gladly send data)Location: C+, B- (suburbs and certain markets)We have over a dozen Fortune 500 companies just in Metro Detroit with huge Healthcare, Auto, mortgage, Amazon fulfillment, and more jobs.The bad reputation comes from OOS investors wanting $20k D market properties.

Hello BiggerPockets Friends,As a small property owner (5 properties or less), what is a basic path of least resistance for tenants to pay rent digitally? 

Heck I've helped my family and friends originate loans as little as $10 to $15k with easy double digit returns!

With Covid-19, I am reaching out digitally to trying a build a network.

I work for a digital marketing agency where I run campaigns for Google and Facebook ads.

I am seeing Vegas Casino/hotels offer 99 dollar specials right now  4 days 3 nights use it anytime in the next 18 months..

The vast majority of guests will send me their email address, in response to this request, but it isn't 100% of the guests and it frequently doesn't happen until shortly before their checkin date.If you want 100% of your STR guests to sign an agreement before checkin, you will need to require their email and digital signature before you approve their booking.

Digital nomads and others who would spend more time in the home may appreciate the extras.