Hello colleagues, The question: Does anyone have a resource, chart or best an excel spreadsheet function which explores the relationships of future cash flow goals, time horizon and DTI, perhaps oriented toward someone looking to the small but mighty perspective?

It's a permanent hat than can lead to graying hair or loss!

I am going to forward you a chart that will help you answer that question. 

Growth is in many part's/way's off the chart's but I question how much thought is going into intelligent planned, structured growth and how much is just buck-wild unchecked growth.

This chart is very helpful too: https://www.boe.ca.gov/prop19/...Good luck!

I know it sounds like I'm splitting hairs but some banks write HELOCs in their residential department....which won't write Investment Properties.

Maybe we are splitting hairs some but the commercial/portfolio/bank statement/whatever name the give them loan space is significantly more diverse.

As I was prepping my chart of accounts, though, I realized that I was unsure as to how to best structure the cashflows.

I do not know if this is realistic or farfetched.Thank you it depends on market, see my post that includes the chart, your return will 90% follow that chart, currently charts are going down, just wait til spread is positive before investing. 70% of the time the return is created by the market.

I saw this map online from Trepp, which shows the percentage of multifamily loans with potential issues by region. Not surprising with the areas projected to have the highest challenges. This just means there is going...