You can find other more sophisticated calculators but the biggerpockets one has been more than sufficient for me.

Without leveraged finance there would be no facebook, no Microsoft, no i-anything, you would not be just doing it as there would be no Nikes, there would be no grocery stores as all farming would come to an end because all that machinery and seed for planting, you guessed it, financed because farmer Joe dosn't have the $250k cash for seed with another $350k for that tractor, it's financed.

Trying to determine if this is reckless or sophisticated investing....The idea is that annual percentage increases and the possibility of rates lowering will allow for positive cashflow.

Quote from @Raj Patel: Added commentsMixed Use: - Longer vacancy times - To get a tenant, you may pay a LOT in TI (Tenant Improvements) - You may be less likely to get in a lawsuit, but if you do get into one, you may be in a fight with a sophisticated business owner, not an unsophisticated individual. 

If your accountant is unaware of this, then it maybe time to find someone who is more sophisticated. 

And you already know the ten or fifteen people in your network who will close out your offer in the first week.My big issue with syndicators today is that they don't point their marketing toward sophisticated investors who understand the risks and fees involved.

One of them was struck by some heavy machinery and created about a one inch wide crack along the entire height of the wall.

They don't have the capabilities to handle sophisticated accounts or much that veers towards commercial lines insurance.5.

I am glad to see all this relatively sophisticated analysis.  

This type of financing will typically look very different and more like a traditional commercial real estate loan.That means a DSCR calculated based on a full NOI and expense load (so inclusive of vacancy loss estimates, credit loss estimates, repairs and maintenance, utilities, management fees and more – in addition to the property taxes and insurance expense that are the only expenses factored in on traditional residential style DSCR loan financing).Additionally, the DSCR minimums are generally going to be higher (typically up to 1.25x), the loan to value ratios lower (higher down payments) and underwrite more sophisticated (which makes sense considering the size and scope of the property).Many multifamily investors for properties of this size (such as more than 11 units) can syndicate capital and have more sophisticated financial and entity structures – its definitely a different world once you get up here in unit count.In Conclusion – when you are looking to invest in multifamily real estate and finance your investment – make sure you have the unit count in mind before you start shopping – the unit range can have a huge effect on your options.