Investment is for the long haul. 

I had toyed with the idea of a balloon set up and your example is perfect.

I am in it for the long haul and it cash flows because I bought it low enough.

Two guys with chainsaws and a truck came and cut all the firewood out of the fallen tree and then I just had to make several trips with my truck to haul the brush to a composting facility.

A thought I have been toying with...I have a friend who is a "money person"....She and I have discussed starting an REIT... the members "purchase" shares in the trust, the pooled money is used to buy real estate... it can be commercial and generate rents that are distributed. or residential and used to flip properties and split the profits.

Originally posted by @Shannon Toye:@Jd Martin, yes that is my fear as well.

Or refi save money and keep them for the long haul.

So I sold all of my toys and got into investing into real estate as a path to a sustainable retirement. 

Typically then offer ARM  x years, due in y with a balloon and you need to refi just prior to y.

@Brad Done look up J Scott on the forums I know he has some really good posts that have some spreadsheets attached for analysing property over the long haul.