Finally, ask about pre-payment penalties and do not ignore them as rates might fall in the future.

Nobody cares about libertarian political philosophies like decentralization and peer-to-peer payments when they can't afford to buy groceries this week because the value of Bitcoin is moved 20% in 2 days.  

I’m looking for a structure that would at least allow me to break even, or create capital through something like the BRRRR method to use for future deals.

We have created an investment plan for them to buy shares of a property, against what we put down for an initial down payment, so it accelerates there returns.

Purchase price: $242,500 Sale price: $430,000 I used private lending to cover the down payment and closing costs, then paired it with a hard money loan to fund the project.

He bought the property pre COVID, so his cash flow is definitely going to be different than what mine will be.The question I'm wondering if its a good idea and if the numbers make sense.Purchase Price: $100,000Down payment: $20,000 (20%)Current cashflow: $900Property manager: $90 (10%)His expense for 12 months was only $1,430 (inspections, repairs, management, eviction services). 

Your monthly payment would come out to roughly $2400/month including HOA, taxes, and insurance.

The full payment would be around $5,400 : The ADU could rent for $2k per month and you would be left with $3,400 per month on the main home.

.- get into real estate with a lower rate and lesser percentage down payment.

If not I don't like this as the payment will sky rocket after the 0% intro period.2.