This info was provided by the bank:address: 1124 Route 94, New WindsorPurchase Price- $599,000INCOME Gross Rents $88,664Add: CAM Reimbursement $11,478Total Gross Income $100,142Less: Vacancy & Credit Loss @ 7% $7,010Effective Gross Income $93,132EXPENSESReal Estate Taxes $18,500Utilities $28,000Total Expenses $46,502Net Operating Income $46,630 $46,630 $46,630 Annual Debt Service $36,628 $28,176 $34,997(See below)Cash Flow Surplus $10,002 $18,454 $11,633DSCR 1.27x 1.65x 1.33xAnnual Debt Service Option 165% LTV / 35% Down ($213,850)Loan: $397,150/ 15 Yrs / 4.57% / $3,052 P&I $36,628Option 250% LTV / 50% Down ($305,500)Loan: $305,500 / 15 Years / 4.57% / $2,348 P&I $28,176Option 375% LTV / 25% Down ($152,750)Loan: $458,250 / 10 Yr Term/ 20 YR Amort / 4.57% / $2,916.46 P&I $34,997Alternatively, every year they have a delinquent property tax sale where the deeds get sold and you can get a poroperty for really cheap.

On a serious note @Cam Chan, internet banks are A-W-E-S-O-M-E especially if you want to keep your emergency funds in a savings account with an interest that makes sense (still less than inflation but heck more than .01%).

My name is Cam Stewart, and I am currently a 2nd year MBA student at Boston University Questrom School of Business where I am also getting my MS in Digital Innovation.

There's no way an agent with a video cam is going to be able to give you information you would otherwise get from physically walking the property. 

You have the location, the tenants, age of the building, structure of the leases, at what pace rent increases, any cam caps and are they cumulative or non-cumulative and are they are controllable or non-controllable expenses, etc.

I'm also currently negotiating several 5-10 year leases on a mixed use property of mine and the thought crossed my mind that I don't have a contingency for a high inflation scenario - my annual rent and CAM increases are 2% and 5% respectively. 

Just pass it through to them in CAM expenses.

The local banks then typically want 20 year amortization on a long time remaining on primary term of the lease and at least 35% down.Sometimes you can land a ground lease in a strong suburban area because rent cam sometimes be half of a regular NNN property with land and the building.

This doesn't mean a disclosure provided by the seller but the disclosures provided by the association or their CAM. 

When you build a new building cam per sq ft starts out low to tenants then as it gets fully stabilized the property taxes get reassessed.