Somewhere in the middle is likely your best bet for a 20 year timeline.I have almost 50 units here myself and that's about what my portfolio is cash flowing at this point combined LTV is around 65% as loans have gotten paid down and values have went up.

Is this still valid information?

This can save months of headache in MA trying to evict 

Quote from @Matthew Steele: Don't fall for this trap!

Yes this is probably the best strategy for brand new people, but they need to study well and apply (like anything). 

This is what I recommend to new investors who contact me asking if these numbers look good. 

This is a great place to learn and to connect with people so take advantage of all the great resources.

Keep in mind this is a self-directed account and most are not.  

I appreciate the input and with think through this decision.

I have no mercy and no tolerance for poor ops when it comes to stuff like this.