@Jinglei ShenThe insurance of $1,400 a year seems pretty high in my opinion.

These deals are so highly leveraged that if they fail to attain their projections and cannot refinance the project, it will fail and go to zero.

Even with high rents, you won't be able to take more than 75-80% of the appraised value out. 

Investing in your education through reputable sources, even if you don’t go for high-priced mentorships, can lead to better long-term success in the real estate market.Engaging with local real estate investment groups or seeking out affordable continuing education programs can be great starting points.The road to success does not have a shortcut.... 

If it's not selling, it's priced too high.

I'm also a REALTOR who focuses on PadSplit primarily with many clients building portfolios of these high cash-flowing properties.

It's a scary high %. 

But my DSCR lender and commercial lender used the individual rent for each room since the appraisers market rent wasn’t very high.

Question is, if I have the means to put a high enough down payment on a house to be cash flow positive (assuming my expense estimates are accurate, etc.) is that something that I should do?  

It's not profit until you access it in some form of cash.I've seen investors loss properties with equity (a few with a lot of equity) because they can't sell at a price high enough to gain that equity, or because they can't refinance it due to the negative CF,...which would increase with a new mortgage.