So now when the capital killer event arrives they try like hell to bail themselves out of the mistake. 

This is one reason I always advocate commercial loans (where the loan officer has a little more say and flexibility) and using the same bank as much as possible, so your relationship can give sway when less desirable situations arrive.

Since Target arrived, you might be able to get milk cheaper. 

But am wondering if there is already a quality reservoir of information out there that folks are familiar with.Hi Arjun, I am from Colombia, and I have invested in real state over there, however I have lived the last 6 years in Spain, I exactly arrived when the economic recession started :/ However, living in the South of Spain (La costa del Sol , Andalusia) and observing how the prices have tragically decreased through the years I have finally decided to get into the business here,..

They are generally not home much and leave my property in the same condition as when they arrived.

I'm also interested in understanding how you arrive at these estimates.

I am mainly interested in buy and hold or rent by room using BRRRR strategies... numbers do seem to work if you are creative and what is positive is although big capital organizations have come in to Spain to invest, regular small/medium investors that actually use experienced info, strategies and network/community is not trending or arrived so strong as in overseas.Cheers!

., your legal counsel, accountants, tax experts, etc. arrive at your thought party — to think through the doability and executions.”

If all else fall, I’ll just keep it myself and foreclosed on it when the time arrives

So the break even years should arrive a bit sooner.