Both cater to businesses with high transaction volumes and often customize services for clients who need frequent wires and robust credit options.Ultimately, your choice might depend on the frequency of foreign wires versus domestic ones and how much value you place on credit card perks.

Are there any realtors in HI that can speak to how robust the Honolulu market is?

Though Buildium has its limitations, its financial tracking is quite robust.

Regarding the issue of rising interest rates, ensure that the DSCR remains robust under higher rates and lean towards fixed-rate loans.

I did some work in Corvallis and thought about investing in that area as well...just seems like Eugene would have a more robust market.

For something more robust, tools like Excel or online calculators from financial planning sites might better suit your needs.Your ROI Formula:ROI = (Net Cash Flow ÷ Total Out-of-Pocket Investment) × 100For your scenario:Net Cash Flow = Annual Rental Income - (Mortgage Payment + 401k Loan Payment + Other Expenses)Total Out-of-Pocket Investment = $40,000 cash + $50,000 loan payments over 5 years.I came across a piece in Bloomberg recently discussing creative financing, and they touched on ROI calculations for multiple loans.Personal anecdote: A buddy of mine leveraged a 401k loan for a fourplex.

If you’d been holding around $620K from a 2019 sale and directed it toward a few properties like that.. especially if you leveraged financing.. you might’ve grown your portfolio’s total value well beyond what many Los Angeles holdings would have delivered over the same period.Then again, L.A. still has that unique mix of robust demand and limited supply.. from what I’ve heard, you can see impressive long-term gains there if you’re comfortble navigating tenant protections.

The City of Montgomery is the Capital of Alabama with a robust economic environment that has produced multiple awards of excellence at the Chamber of Commerce level.

Columbus is an absolute goldmine right now - it's got robust job growth, a booming tech and university scene, and consistent strong rental demand. 

While likely more expensive than Cleveland or Toledo, Columbus has a more diverse and robust economy, driven by government, education (Ohio State University), and healthcare.