I saw a 2019 chart that said we needed to make under $78K to avoid tax.

With the several different property management companies I have worked with in the last 10 years a standard form I also found useful is a "chart of charges addendum".

Any good lender will be looking at what is customary for that type of business and the "chart of accounts" will tell you how detailed the borrower is.

But when I do some simple math with an amortization calculator/chart I do not see where you get 10%+ returns for the life of the note.Lets take a simple example.1st position note value $60,000 @ 10% amortized for 15 years (to keep it simple do not worry about LTV, etc. again the assumption is you bought the note correctly whatever those numbers need to be for you).So if you plug these numbers into an amortization chart you will see in the first year (months 1-12 on the chart) the interest income from the note averages $490/month; let's round up to $500/month or $6,000/year.So Year 1 cash-on-cash return would be $6000 / $60000 = 10%Fast forward to year 5 and the monthly interest income on the note, according to the amortization chart, averages $400/month or $4800/year.Now in Year 5 cash-on-cash return would be $4800 / $60000 = 8%Fast forward to year 10 and the monthly interest income on the note, according to the amortization chart, averages $250/month or $3000/year.Now in Year 10 cash-on-cash return would be $3000 / $60000 = 5%So it seems like the returns on your note investment are decreasing over time,where are those double-digit returns???

There was an interesting article not too long ago in the Sacramento Bee that included a graph showing current home prices in various markets in Northern California as they relate to the 2005-2006 market cycle peak.It's kind of funny because looking at the chart, if you asked anyone in SF or the South Bay about the peak of the market, they wouldn't know what you are talking about.

They need another chart for heat etc, Here they pay $981 for 3BR, I asked $500 and they came back with $490, I took it , this is a single family house right across the street from me!

The life expectancy chart is a nice to have as a reference. 

One last question; I thought the mortgaged properties limit was 10, not 5.Per your suggestion, I will have to make contact with a broker who has a better understanding of the precise limitations.

Table 1-4 in IRS Publication 590 (page 22) is the rollover chart which describes which plans can be rolled into each other.

@Colleen F.The local office has a chart, which has on it all the various utilities.