@Brandon Turner  what assumptions do you use in terms of securing financing in your models?

Taylor, Gotcha, that was my assumption, just wanted to be sure :)

Are the assumptions reasonable?  

I assumed so, but this business doesn't do so well on assumptions :) so I'm dotting i's and crossing t's to be sure all is above board and humbly acknowledging that I don't know what I don't know since I'm in unchartered territory for myself.  

I hadn’t heard the term “Loan Constant” before and it’s an interesting tool to consider the true cost of borrowing.One (minor) observation of the post is I think for consistency the first example (401k) should be calculated like the interest only example further now rather than amortizing over 3 years (since the assumption was no amortization).

While assumptions can be made as to housing on a national basis with economic indicators, such as the CPI, it isn't that applicable at micro levels as all metropolitan areas are not the same, average income levels are different.

I'm assuming (making a large assumption) that since you are young, you have a relatively low amount of bills, so with that, you can do ok in AZ based off of that fact.

When I know better, I change the assumptions. 

You created this loan arrangement, you devised the transaction, you stepped outside the usual and customary, you created the assumption in a subsequent sale......so, no, you aren't walking away with clean hands if things go south (as they say).Investors need to speak to their attorney and understand tortuous conduct, causing another party to become involved in something where they suffer a loss.

i have a property in trying to get assumption of loan from family member.