These cities will offer healthy cash flow returns on SHF and multis. 

If you have a healthy 401k/IRA, your lender can earmark that counting it at 60% of value to "check the box," but really it isn't a horrible idea to have a healthy "oh crap" fund as someone that owns multiple pieces of real estate in any case.

Stay safe and healthy, wealthy and wise, best wishes :)  

Wishing every one a prosperous and healthy New Year.William

Happy and healthy new year to you all!

Our HOA is majority owned (thus, controlled) by the original investor (one man) who had originally intended on selling all the 300 units as individual condos back between 2003 and 2006 when the condo market was still relatively healthy.

That summer was spent working on my resume, doing some odd jobs, detailing cars, and staying active and healthy.

Not to mention healthy capital appreciation caused by low inventory, steady job growth, a robust economy among many other factors. 

I'm sorry, I work in Chicago and looking at properties I can afford,  Milwaukee looks kind of like a walk in the part compared to same priced properties around here.Cash flow is the objective right now to be able to re-invest them in more properties.So according to your calc's Brandon I'm looking at 1,300+ 220 (mgmt fee) +376 for P&I (70k at 5%) = 1896 for a cash flow of $300.That seems like a very conservative look at it but still provides for a healthy CF. 

It can be useful as a source of funds that can be tapped if things get rough, so I am not suggesting everyone should be leveraged to the hilt, but that is also what a healthy cash reserve is for.