If your income grows faster than inflation, you'll have the $162 needed to purchase the basket.

Good luck with your search/purchase!

The people who struggle here usually underestimate those factors.One thing I do differently than most: I share actual performance data from my rentals—purchase prices, rehab details, rent numbers, lessons learned, and backstories.

@Olecia Williams Though it's still possible to purchase a second/vacation home with only 10% down, it may not be your best option. 

Does anyone have any tips and advice on purchasing property in Medellin Colombia for short term rentals ?

I have a passion for entrepreneurial ventures and my goal is to venture into real estate purchasing 3 properties over the next 6 years and launch a property management business at that 6 year mark.

Find a good lending partner that is comfortable with lower property values both on the purchase, as well as knowing a group or two that can financing projects under 100k on a 30 year fixed.

@Frankie Lotrec if you have an existing loan on the property and you plan to legally convert from a 4 unit to 5 unit , you should check the loan documents because you’d essentially be converting it to a commercial property, since 5+ units is considered commercial and subject to different appraisal approaches and so it would rule out the property being considered for purchasers utilizing residential financing.  

Is this LTV based on ARV or the purchase price? 

My wife and I recently purchased a triplex in North Gray's Ferry are in Philadelphia.