What you gave me was a rationalization based on hope, and future events you didn't mention, but you have no control over.6 - Ok...but how, where?

Fees, pro rations, cost not accounted fir, appraisal, title insurance.

I get the impersonal approach because it would make things a lot easier to rationalize, but I don't live in a bubble, and my goals are to live happily ever after.

At 45% expense ration you're at -47 cash flowmake sure when you're doing your anaylsis you are accounting for future vacancy and property management, maintenance, and capital expenses. with FHA 3.5% down you're going to have PMI as well which I did not account for.

ROI is assumed but whats the rational behind your choice? 

We have chosen to ration our capital and be more selective with project selection instead of leveraging more and using hard money for our projects.

Obviously not willing to rationalize a bad number by underestimating expenses, just trying to get more creative here. 

Debt Coverage Ration =?

Once you change to trying to fit your tenant the square peg into your round hole of a rental process you're getting away from the norm of what works trying to make it work which is just a temporary solution.Being paid weekly or monthly is his problem, he still ends up with the same amount of money every month, as a landlord it's not your problem and getting greedy with a markup on the rent to justify all this is just a rationalization making you lose focus on the real problem which is you have a tenant who is spending more than he makes and choose you to be on the bottom of the hierarchy ladder to who gets paid first.

Ive been reading a lot of sales books that state consistently that u have to lead your prospects to an choice by giving them choices that leads them makes them from emotion to rationalization while at the same time helping cont to an conclusion. now i know some people don't want to sell but in talking about the unsure of the situation so the answer is not that simple. but i also believe that u need to know there motivation but what do u ask that's or how should u say to to keep it from being or feeling threatened. also if u make cold calls how many do u make and day, and if so how is your % .