In any event, the threshold debt to income ratio is likely to be different from bank to bank, from residential loan type to commercial, and from month to month as lending requirements vary according to the economical cycle. 

I'm looking to get started as an agent here in Texas, and of course I'm looking the best place to take these courses online.I'm looking for something economic but not to where it will sacrifice the quality of the courses.Ive seen alot of Kaplan University and theyre fairly priced, but im not sure how good or bad their courses are...Any suggestion?

Grand Junction Delta Paonia Montrose Ridgway Telluride I tend to find above 8%to be great, yet have a lower socio economic profile( very little risk yet not grade B parcels. ( yes its a little sleepy over here, with older inventory)I see 6% deals all the time, but as RE investors we want the 1% rule or better CAP rates/ROI.I am just doing some market research in the small towns from Durango north to GJ.I have a 8.5% CAP( 5 plex )listed in the marketplace in Montrose CO and wanted to see how competitive we are, and I just bought a 10.5% cheap 85k townhome in Delta.

Purchase price: $485,000 Sale price: $795,000 located in an up and coming, booming historical community of "Chesterfield Square", this Unique 1920's Craftsman is located in a very desirable location and investment benefit from the property's proximity to Metro, freeways (405,110,10), coastal beaches, DTLA, and Los Angeles International Airport. several major economic development projects underway.

There are many markets where the wait list is in years for low income housing availability.Rents have dramatically outpaced wagesBaby boomers are living longerCorporate income tax rate cut makes affordable housing tax credits less valuableRising labor and material costs makes it expensive to buildLand is expensive in metro markets; so, it's only economical for developers to build at the high endHurricanes have driven down the availability of construction labor and driven up the costNIMBY regulationsThe shortage is so severe that it may never be resolved in my lifetime. 

Its been an excellent investment because I got lucky and started right after the financial crisis in 2008 when everything was dirt cheap.  

@Autumn DeyarminHi Autumn, Immediately with any commercial property, you need to understand the economics of the property.

I look at a lot of business/economic/real estate cycles and all indications point to the bottom of this cycle around 2025-2026 so we might have a long way for prices to fall. 

@Emily Lowe   You should invest in Watertown 1) Closest city to Boston With Residential exemption (low taxes) 2) Good Schools 3) 8 Minute Drive to Boston 4) Low Crime  5) Economically growing - FAST!!!!!

Were you satisfied with your achieved returns given the economic environment and the challenges of the project?