Lastly, education rates are up somewhat since 2010 while poverty rates are down.SNAPs (supplemental nutrition assistance program) rate is up a bit however. 

My personal goals focus on appreciation, so I'm okay with making minimal positive cash flow in an area that is appreciating quickly, even if rent rates are increasing at a slower pace.

Also, the incredibly low interest rates and low yearly property taxes (depending on your location) help a bit on the cash flow end.From my understanding, opportunities exist in different cities in Spain, especially when considering distressed properties outside of inflated metropolitan areas (not to mention the alternative ways of acquiring property like judicial auctions, cash purchases, etc.). 

Be aware that if you have a 401(k) or IRA, your fees are hidden and you are paying a lot more than you think for those fees.

Plus, they are still offering a very good interest rate buy down.

Some of what I am seeing are:- Legal Fees- Underwriting Fees- Corelogix and other data feesWhat's next - Fees for if you are an American living in America?

Buyer's agent could/should also negotiate a seller credit that makes the offer $100k, with $3k credit for buyer agent compensation, again resulting in a seller net of $94k.But now buyer has the opportunity to agree with their agent that the rate should be 2%, or a flat fee of $2k, and the buyer then pockets that savings.

Franchise Taxes and Fees: Some states have franchise taxes or annual fees for LLCs.

We decided to rent it out and the property now cash flows us $800/m with a 2.25% rate.

I have had clients switch lenders over $500 on fees.