I don't know much about I/O loans, but don't they typically come with higher interest rates? 

That's of course because the bank wants you to compare apples to oranges.

Make sure you are comparing apples to apples when you get quotes from other insurers, too.

Lots of options in that space, from 24 to 48 month io loans to longer term amortized loans. 

Hi @Dustin Lavender, The apartment complex business model is much different than 1-4 units in one building single family business model and you are comparing apples to oranges I believe.  

He uses an example of a company that makes apple sauce and walks you through all the transactions it would make from its creation as a company to buying assets, taking on debt, and building financial statements, etc.

I'm considering getting out of the Mid-Term Rental Game.I purchased 30 apartments (two 10 units, a 6-unit, and a 4-unit) for the purpose of running them as Mid-Term rentals.Currently, half of them are being run as MTRs while the remaining are still LTRs.My MTRs average $1,600/month while the LTR rate $900/month.Now that I have some data, I wanted to compare apples to apples for MTR vs LTR revenue.After adjusting for the increase in Insurance, my VA for communicating managing, and supplies/increased repairs it's looking closer to $1,200 for MTR compared to LTRs $900.It's a lot of extra headaches for $300 more per month.I'm also having trouble refinancing these properties because banks hate seeing anything but LTR.

Unfortunately a few bad apples ruin it for the bunch.

I figure if Apple and Intel can come up with unique names for all their new OS releases and chips, I can find some scheme for all my property names. 

And if fixed I/O, what happens to cash flow if/when loan goes to amortizing?