@David Thompson Great insight, thanks for a different perspective, I like the mold of diversifying how you invest, it is similar to how I am looking at a new business adventure I started, While the returns of selling the product myself are greater, by letting someone else take a share of the pie and having them do the leg work my returns are INFINITE.

The demand seems to be infinite.  

Hi,With your infinite wisdom, are you guys aware of any way commercial properties can be procured directly from lenders?

The nice thing about it is I can fail almost infinitely and still live quite well with the passive income.

Anyway, I’m planning on holding onto it, so let’s move along.General expenses: Property inspection: $425Flights/bags/ground transit for 2 people: $600Service main water valve: $389Service 2 furnaces: $200Paint materials both units: $370Cost of hiring friend who came along and worked 3.5 days: $500Total random home depot materials including light fixtures, electrical gear, primer, brushes, locks, light bulbs, tools, drywall, tape, etc: $1,820.Total: $4,304Unit 1 - Down Paint labor bedrooms, bath, and kitchen: $0 (friend from out of town did it for free)Installing fixtures, switches, outlets, cabinet knobs, doorstops, blinds, towel racks, bathroom mirror, caulking, etc: $0 - did it myself.Estimated cost if contracted: $1,500Unit 2 - Up Labor to strip wallpaper, repair drywall, sand, prime, and paint full unit (contracted out): $1200Installing electrical outlets/switches/fixtures: $125New electric stove: $200Refinish bathtub: $300Pull carpet: $250Total: $2,075Estimated short-term costs (<1 year) New roof Spring 2018: $8000Gutter cleaning and repair: $300New Floor in kitchen (estimate): $500Total estimated costs: $8,800Year 1 non-recurring costs to make it rent ready: $91,979Estimated mid-term costs (1-5 years) 2 new furnaces: $55002 new hot water tanks: $2000Misc: $1,000Total: $8,500*After the tanks/furnaces get replaced the building should be rock solid for 10-15 years at least, assuming no major disasters.Monthly expense breakdown: 5-year private money balloon loan on $87k over 20 years: $574Property tax: $215Insurance: ~$100Water bill: ~$60Sewer bill: ~$40Garbage: $16Rental registration: $6Lawncare: $40CapEx: $100Vacancy: $75@ 5%*I’m self-managing, therefore I’m not yet factoring in property management.Monthly Totals:Projected rent: $1,500 ($750/unit, but will shoot for $775 initially)Expenses: $1,226Cash Flow: $274/monthCash on cash return: infinite (more or less)ROI based on $18,000 yearly at $91,979 initial cost: 19.5%NOI: $3,288About the loan:I don’t qualify for bank financing since I’ve moved countries and jobs so much in the last couple years.

So infinite ROI, hard to beat in stocks.

Also get all of your ducks in a row legally as this sounds like an infinite COCR deal after only a few months of owning especially going the FHA route wherein the down payment is only 3.5% of the purchase price.  

@Mike Tremblay or I guess that you could say that its infinite return, since your "cash" investment is Zero

So not only are you getting bigger deals you can do infinite deals.  

Even better would be an infinite return where you don't invest any of your own money.I hope that kind of answers your questions, I'm very much a newbie myself but anyway I can help I'm always happy to.