I am using a marketing company because they have a proven track record and a plug and play system for direct mail marketing.

My sister and I run a music school and hope to eventually have our own building.

My concern at the moment is that I am using the rental property calculator and can't seem to find anything with a cash on cash return in the positives is that because I am not putting down the 20%?

Interestingly, this looks like a block foundation, which would tell me it is a little newer than what I am used to.

If revenue generation, you need to look at it from The standpoint of others - beach, lazy river, restaurants, child care, amusements, etc.. all add substantial costs in the form of HOA fees.If primarily as a place for you to vacation and you want revenue generation just to help that, you may want to stay away from the condo-hotel concept as it can get quite crowded and use of the amenities can get quite competitive in-season.I would also suggest you start reading up on the pros and cons.  

It is tough to give an ARV when the calculator requires it when there is none to be found.I am using the MLS trying to find this info.

Am I paying too much (I mean I am using cash and was expecting a deep discount dive) ?

You recall, he was a scammer and posed as a music teacher not knowing anything about giving instruction.

I'm going to self manage and am using 10% for vacancy, maintenance, and CapEx.

:I am using principal paydown because of the following:-I am applying extra cash towards the mortgage, which is essentially making my cash return $0.