I'm going to tell you the same thing I tell everyone when they utter the phrase "no lease."

@Charlie MacPherson a lot of people teach those "trigger" words and phrases but I haven't seen anything in writing from HUD that bans them.

I like that phrase “civilian sellers” - good way to put it, @Jay Hinrichs

That's a very odd phrasing in order to obscure the facts.

Some of your phrasing cause me as a reader to think you aren't necessarily sure in what you do.

No matter how anyone phrases it, to me someone that is 60 or pushing 60, and is married, and still does not own their own home and has to rent in the edge of the ghetto has not made good use of their finances over time.

The common phrase I've heard over the years is the best time to buy real estate "was 10 years ago".If you buy with cash flow and have financing that doesn't have a short-term balloon, you should be able to ride out any storm and be positive on the other side.

Just throwing that out there in case, like me, you've never heard that phrase.  

I know flippers sometimes write penalty phrases into contracts ("must complete by XXX or pay $/week/month").

The way you're phrasing it is a little confusing.It would help everyone who is responding to you greatly if you lay out your actual numbers, e.g.xxxx  Rent Revenue(xxx)  Interest Expense(xxx)  Insurance(xxx)  Property Taxes(xxx)  Mgmt Fees(xxx)  Lawncare/repairs/maintence(xxx)  Advertising(xxx)  Tax Depreciation(xxx)  Loan Costs Amortization(xxx)  etc-------------------------xxx/(xxx)  Projected net taxable inc/(loss)