My cash on cash return would decrease with an influx of cash to upgrade/update units.

This is greatly decreasing the inventory pushing the good deals out of the market for buy and hold investors.

This is the point where I could easily argue on a vacant property the value decreased since nobody is actually taking care of it.

Our market is still appreciating in double digits even thought the appreciation rate has decreased since the hay day of 30%.I hope this is helpful!

I like buyer agents, As they can be your banker/partner for your next deal, Here is how: In my area i called around and had located one who is willing to accept their commission in the form of a monthly payment over say 60 months.So when we settle on an investment property I use their commission to cover closing cost or at least a major portion of it and there by decreasing the down payment required for my purchase.

For example if you find out one tenant went a couple of months without paying that decreases the revenue.Happy investing.

In the above example, the claim might not be as big, but it's still going to exceed $1m, and it's still going to wipe you out.So the bottom line is, the need for liability insurance INCREASES as your net worth goes up, but it doesn't DECREASE as your net worth goes down.

It is currently rented but I will love to find a creative way to get rid of both of this properties.What makes the exit hard, is the current economic situation of Puerto Rico, Government Bonds were classified as Junk bonds and most of the people in the Puerto Rico are employed by the Government.The current trend is a sharp decrease in population and unemployment well above the double digits.

My dad said he would be willing to cosign with his very financially prudent son.I could wait a little while longer untill I am out of school and making income myself OR I could view this as a great opportunity to decrease my liability (on paper) while having 100% of the benifit.If I were to co-sign would it decrease my debt ratio for so that I could more easily obtain more home loans in the future?

If my total monthly payment decreases or stays the same when I refinance, wouldn't it make more sense to refinance and lock in a rate now (as interest rates are still historically low) and considering I'm keeping the property long term?