Expenses are fully inclusive of vacancy, operating expenses, repairs and maintenance, capital improvements.What I found is that the investment return and the desired exit year are the two factors that drive the decision of making a down payment or not.As an example, if your exit year is year 30 of the mortgage, a 2.198% return on investments will yield the same net worth if you put 0%, 20% or 100% down, but ONLY at year 30.  

I also create financing whether it be contract for deed, all inclusive trust deed, subject to or lease options and wholesale them to either other investors or owner occupants. 

Thanks @Jack ButalaSo, if I were to pull the same list from RealQuest, you expect the list to be all-inclusive?

However, I do not participate in the S8 program and my unit is not approved by S8 for inclusion in their program. 

Google All inclusive deed of trust  in CA.. and read that document.. 

FYI, I pay $1,300 of HOA for a 2 bed / 2 ba. apartment, all inclusive of utilities, taxes, some insurance (my own insurance is less than $40 per month), building management, maintenance, and doormen. 

If we add that $14k to the after-tax cash flow, we are left with an all-inclusive after-tax return of 22.4%.In this example, we assume the value of the property will not go up in value one cent — which is smart because assuming is another word for speculating, and speculating is risky investing.

This isn't inclusive but should give you a good start.

Oh, and those figures are not inclusive of plaintiff's attorney fees.  

I look at CoC as not inclusive of equity accumulation.