We have direct tv and spectrum cable services provided by the HOA as well, so not really sure if the guests prefer both or if the smart tv is enough.  

So I guess I will vote for Robert Allen as a wall of shame member.On the other end of the spectrum is Jimmy Napier (currently retired).

Looks like a 10% gross rent yield, maybe 6% net since you're on the higher end of the tenant spectrum and maintenance should be low for many years to come on new construction.If you finance it at 4% w/ 75% LTV, then your total ROI is roughly 12% w/ the principal reduction, w/ tax benefits ROI will jump a few more points, plus potential appreciation (what would comparable new homes have sold for in 2006?).

Cheryl -There are really no hard and fast rules about the difference between retail and investor pricing (and it really is a spectrum, not just one or the other).Here's how I look at it (all numbers are completely made up by me):Imagine an electrician who wants to work full time (2000 hours/year) and wants to make $100K per year.

On the lower end of the spectrum 1% rule is kind of the best case scenario, but it doesn't hold up once you get over about $130k. 

Because we are on the lower end of the spectrum we are going against a lot of competition, we realize that.

If you have your personal finances in order, you will have access to some of the lower cost finance options that can make a dramatic difference in your real estate investments.There's a guy named Clark Howard (http://www.clarkhoward.com/)  who has some really good free information that covers a broad spectrum of personal finance and ways to save on the things we all buy.Dave Ramsey (http://www.daveramsey.com/home/) is also really good on how to get your personal finances in order. 

It’s basic economics, lower risk investments now offer higher rates of return, therefore investor’s de-risk (sell higher risk assets, move down the risk spectrum to get similar returns with lower risk).

I dont know where yours will fall in the spectrum, but I can tell you this. 

It is more likely that the agent you are speaking with is either assuming information on one end of the spectrum or the other.