If anyone runs a retirement simulation they would see that for the average person the 401k program can not be beat.  

I would use the same lease or something similar and add your own simulations to make it more bulletproof.

There are too many things that could go wrong with this method, which is why I switched to simul closes.

Definitely use a score simulator.

A custom slot car and a racing simulator outfit the 12-car garage designed to look more like a showroom.

Most of the good ones have certain features like simulated exams, pre-assessments, flash cards, etc.If you need a recommendation, CompuCram is a really good program.

If you're willing to invest a few $ there are companies that can simulate what the end product will look like; virtually stage it. 

Most lenders like we do can run a What If Simulation Report for you, but to do that they will need your permission to look at your credit profile. 

Ann Bellamy "Back in the day" we called using end buyer's money to fund purchase of the property, with "wholesaler" in the middle a "simul close".

Thanks @Sean MyersUnderwriting that Sacramento deal simulating a cap rate increase to 6.5% brings me to an IRR barely above 0%, so I guess it's good that I don't go underwater :-)Of course, that is true until it's just the cap rate to suffer and not the actual rents with vacancy and discounts, otherwise the debt service might become hard to cover...Thanks for sharing your wisdom!