My daughter is in 7th grade algebra, but would not know how to read a HUD 1, analize the financials of an aprtment complex or negotiate contracts with a seller or service provider.

Many people pay off some loans to keep others available others do the algebra on what they make room a purchase vs what they pay in taxes and make a decision based on that.

Assumption 1:  If the tenants pay their own utilities the expense ratio should be around 30% (in a well run park)Assumption 2:  if the owner pays the utilities the expense ratio should be around 40% (in a well run park)Assumption 3:  Do math for a 10 Cap-it works for any Cap rate you choose including  positive or negative*************************************************************************************************************************Net operating income=gross income - expenses Using the expense ration of 30%  => Net Operating Income*(1-expense ratio)=> NOI*(1-.3)Therefore:NOI/yr=(#lot)*(rent per lot per month)*(12 month per year)*(1-expense ratio)Cap Rate=NOI/Purchase pricedo some 8th grade algebra followed by some 6th grade math (dividing with a decimal)Purchase price=NOI/Cap rateTherefore:Purchase price{tenants pay utility}={#lots*Monthly Rent*12*(1-.3)}/0.1 =>84* lots * rentPurchase Price {owner pays utilities}={#lots*monthy rent*12*(1-.4)}/0.1 =>72*lots*rentThere are the 72/84 numbers derivedIts not rocket surgery.  

Reminds me of walking into Algebra class in 8th Grade and the teacher says, "Ok, today we're going to be doing word problems".

Algebra and Geometry.

I'm sure there are books that are written about seller financing, but I haven't come across one yet that describes the way I do it.I would recommend Algebra and Geometry.

Geometry and Algebra.

Math...specifically Geometry and Algebra

then master Algebra and Geometry. 

Trust yourself and especially the algebra on this one.