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 % .

@Leandro AbreuDid have any other rationalization other than the flood of Chinese money into the market?

Reason: Taxes get pro-rated, so by paying the taxes, the sellers just re-set the pro-ration clock and saved money.

He rationalizes that his current home is too big and needs to downsize anyway.  

You can consider forced appreciation but be very conservative. 1-4 units is NOT purely from an income approach.You don't pay points on an installment deal an equity funded note.I suggest you have a debt coverage ration of at least 1.5%, more is better (PITI, maintenance,  insurance and taxes being less than 1.5% of the income) Did I mention an attorney and a broker?

Don't rationalize a bad deal into a good one by using arbitrary % and/or depending on future events I have no control over.  

Before anyone is ready for that, they must do the dirty work - could it be that the calculator is robbing people of the chance to rationalize the process through the numbers?  

To a California guy, that is a wild concept, I know - but it is fact.So, in my opinion, a  4plex makes more sense (more people paying rents) - and in Bakersfield, you'll have plenty of comps.To a lender, it won't matter 1-4 family is all the same.So think of performance ration - in a duplex, you are living in one, you tenant moves out - you are paying the whole boat.