Because, if you are a “regular” person meaning don’t make 5M a year W2 / legit bussiness which shows on tax returns, you can’t qualify for 20M loanAlso it mean, that people who buy 20M condo, chances are they have 100M-200M cash sitting and not doing anything.Return of equity is 0, as it also the cash sitting in a bank.Debt is cheap now days: 4-5%, but if you have “unlimited cash”, then not need to pay 4-5%As far as max cash flow and minimum risk - it’s something a lot of members discussed already.And last but not least - let’s not go off topic.

i am not looking to be spending my days on the lake, I am looking to replace my day job income, and growing my portfolio.... but it is important to cover my costs first, which not 20k/mo but, that is what i'm accustomed to regularly (or more). 

I saw you have regular check in.

Pretty much any regular bank / lender is going to require themselves to be in first position on all the properties... so I don't think a HELOC type solution is going to work across multiple properties with multiple lenders.  

They do a good job of regularly releasing episodes and they frequently talk about starting out with their initial capital pool and growing their business. 

I wasn’t feeling good about anyone pursuing me to lend me money, but this cements even more why to stick with regular lenders when possible. 

I'm renovating a studio apartment with limited space. Any input on the appliances noted above would be appreciated. I didn't list ventless dryers as I haven't read very many good things about them. I used to have one ...

There are posts seeking information on Roofstock regularly and I know that Bigger Pockets was an invaluable resource to me prior to purchasing my first property and continues to be so sharing my own experiences is a way for me to pay it forward. 

The ceiling can be durock or greenboard, never regular drywall. 

Most MTRs in my area include utilities, but my California property has very high utility costs (PG&E - could easily be $1000/month with regular AC/heat use).