@Abdul HafeezRates and LTV depend on many factors. 

I own a small multifamily commercial in Albuquerque and can confirm the diversity of the economic and cultural factors that you mentioned. 

Factor 8%-10% for a reliable property manager (use AllPropertyManagement.com).After that, you're golden.

@Tanya F.Whether there are dues is really not the deciding factor in whether the REIA is worth while or not. 

Speed of building a portfolio (Cash-on-Cash return is a factor here)?

I would consider the tenant's past, as well as the condition of the unit, my local market, and other factors.

Utter blasphemy, only "unsophisticated" investors buy in cash.An experienced investor once told me "why use my cash, when I could just default on OPM" I know its not popular thought on BP.. and of course ramp up requires it unless you inherit a ton of dough but as we age out I sure like free and clear and no debt.. just the hassle factor of having to make payments :)

I tried using the biggerpockets rental calculator this morning and the cashflow was negative, but I may have been too conservative with the numbers.

With that being said, the interest rate is going to be the single biggest determining factor for whether you're barely breaking even, or seeing a decent monthly cash flow.

To all those stress I had to go through during this process the only consoling factor is the judgment amount I got through the Justice of the Peace Court.