which means that if you're making the minimum payment, you're not paying down the principal AT ALL. 

The extra 10% would be split up as 6% max as seller concessions towards closing costs, then the remaining 4% would come off the principal loan amount. 

I have been investing in RE for around 10 years now, and up to this point, I have been focusing on A+ kind of properties, but I have ALWAYS been itching about C/D.....The thing with A+ properties is they take 5-7 years after purchasing to cash flow...For a portfolio of $4.5M properties, I am cash flowing maybe $50K annually if I dont count principal paydown...If I include full mortgage payment (both principal and interest), then cash flow is down to $20K....But reading your posts, apart from being so funny and laughable (in a good way), made me realize that I probably should stay in my lane as I clearly lack the skillsets needed to be successful in those property type....B class is likely the most I can stretch myself into....

Borrowers were able to push back and get all their interest paid credited to principal and that just in pre trial negotiations who knows how a judge would have ruled.. 

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

The loan proceeds may not be delivered to the borrower until after this three-day cooling off period has ended.Lenders may not charge costs or fees that exceed three percent (3%) of the principal amount of the loan.

Principal payments are recouped overtime through amortization and depreciation.Thanks in advance for your input :)

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I don’t know if Patrick was completely duped by Robert as well, but I do know that when I make inquiries, Patrick directs me straight to REM and doesn’t address the issues himself.Patrick seems to be a very intelligent guy and, honestly, I still occasionally listen to his educational content, but I will never invest with him again. is he licensed series 7 so he can legally take fees or was he a principal or employee so he could legally take fees ? 

Installment Payments: The buyer makes regular payments to the seller, which include both principal and interest.