I wouldn't offer more than that just because it is such a struggle as an individual investor to make much more than 8%.I'd probably start-off proposing a fully amortized loan at 6% for whatever term.  

But once people get to know the style, and the writer, it can be an effective way to communicate... he did win a Nobel Prize for crying out loud.If you are struggling with visualizing your plan (or maybe communicating your plan to others), I'd like to offer a potential solution.

DavidI am starting my 8th year as a landlord and I also still struggle with this.  

Also, I struggled to think of a way I could provide value to agent in return for some comp data.

Watching my mom struggle with credit card debt from the 90's and still paying on it in the 00's.

We have 2 mortgages already and Banks aren't that clear as to what we do (vacation rental) so getting a mortgage is a struggle. 

I can't be of any help on the info in your area but I will say that there are times that I wish my 4-Plex was 5 minutes away instead of 30.I will also say that I would struggle to dish up 20% of 231k ( 46,200 ) for 1308 a year in positive cash flow because of my other business ventures being more profitable with less cash input.Just my inexperienced 2 cents - hope someone with more knowledge of your area can be of help.Kris

We currently only have two 4-plexes, but once we add a third, we're going to struggle to maintain the properties between my 9-5 and my husband's construction business...Can anyone recommend a property management company or share which ones to shy away from?

The struggle continues....Hope you guys are cashing checks!

I know some EXTREMELY successful investors today who have short sales or foreclosures, huge losses during the last downturn, and all sorts of other struggles.