You payments will decrease with a 30 year mortgage but your interest rate will rise to probably around 5%.

NA Cummins  Realtors and MFH owners are likely to overinflate their revenue and occupancy rates, while decreasing their actual expenses.

I currently rent at about $700 a month and next year my rent will decrease to around $600.Im looking for advise as to what direction I should go with investing.

If you are set on not offering a deposit you will need to make your offer look more attractive in other ways, maybe increase the offer, decrease the inspection contingency period, promise a short close.

., How much has the mix of the condition of properties sold contributed to decreases and increases in real estate price indeces (e.g., Case/Shiller) throughout the economic cycle?

With conventional the more you put down closer to the 20% number the insurance charge is less and less as risk decreases for the lender.So if you put 5% down for conventional as homebuyer the rate is a little higher and the insurance payment is higher to compensate for risk.A mortgage broker or a direct bank will know all the minute details for your situation.

Good news is they add in any paperlosses like depreciation and any 1 time expenses such as a new roof, new kitchen, etc you can prove with organized receipts.Schedule E Calculation:Non-Subject Property:AddLine 3Line 12Line 18MinusLine 20Divide by 12 - mortgage payment = net incomeSubject Property:AddLine 3Line 9Line 12Line 16Line 18MinusLine 20Divide by 12 - PITI = net incomeIf you've had the property on 2 years of returns and the income is increasing they will average the 2 years if the income is decreasing they will use the most recent.

And taxes are not being adjusted based on the value decrease so you have flood insurance and the house is taxed as if the market value is the same.

Many believe we are in a mini-bubble and I'm convinced the market may remain strong or semi-strong (although appreciations will decrease in rate).If/When shadow inventory is finally released (eventually), it may not cause a "flood" to the market which I've heard over and over again.

I also understand that my cash flow may decrease to due pmi.