Any general thoughts on investing in this market and cash flowing with 20% down?

Hi, Not yet, what are the pros and cons bout this?

This is a great place to learn and further investigate investing in real estate.

Any advise on this?

I'm 30 with a family of four, just bought my first primary home this year.

Trying to be a sponge in this real estate world.

You can overcome this by putting more down, which reduces you ROE and COC return, but if the appreciation is good enough you can make up for this with overall returns over time as rents increase and the property appreciates.

Here are the details:- Current occupancy with a monthly income of $2,750- Purchase price: approximately $145,000 (putting 25% down, around $36,250)- Location: McKeesport, PAAs a relatively new investor with two properties in different states, I'm looking for guidance on how to analyze this deal.

I unfortunately self financed so my funds are tied up in this one house. 

A 5 year arm might be a bad idea in this case.