These ratios seem interesting, I haven't really thought about it in those terms.Let's use a simple example to illustrate this so I can better understand what you're saying.If you own a $100,000 property, you're saying you should have $20,000 in equity, $80,000 in debt, and an additional $10,000 in reserves or cash for the property?

You're refinancing it and using the extra cash to buy a rental property.To illustrate, let's say your current mortgage is $100k, and you can refinance it into a $150k new mortgage.

Whenever users complain to us about our work product, we used to joke with them "if you don't like it, go and get yourselves QuickBooks".Most of the SAP work we done involves creating custom templates like the ones you illustrated, but not with all the customization features such as custom colors, logos etc.

I agree Jay that it is rather a lengthy piece of information but the premise is of course "predator lending" this is just feedback to allow other's to exercise and prepare for unethical business practices specifically to doing one's financial due diligence such that this is an illustration of caveat emptor or let the buyer beware to prevent fraud from manifesting as a reality with no recourse for action. 

Initial plans and finished product illustrations will be a highlight of this session.11:15 a.m. – 11:45 a.m.Zoning – Case StudyOak Ranch Manufactured Home Community, Austin, Texas: Zoning for a manufactured home community is one of the most difficult types of zoning to achieve.

To the degree possible I would ignore criticisms that are based on emotional response rather than an objective illustration of risks.

I found a site titled "Illustrated History of Wind Power Development" that is fascinating!

Could you illustrate what the process would look like if using a HELOC?

This is a more complex example, but the purpose is to illustrate that you need to speak to a CPA who can help you accomplish your goals.

Here is the breakdown on our investors for total transparency:Investors - Properties126 WOW Group with 5 or more       -       850 properties1 with 15                      -          15 properties1 with 14                     -           14 properties2 with 13                      -          26 properties1 with 12                      -          12 properties2 with 11                      -          22 properties4 with 10                      -          40 properties5 with 9                        -          45 properties17 with 8                      -       136 properties20 with 7                      -       140 properties35 with 6                      -       210 properties38 with 5                      -       190 properties60 with 4                      -       240 properties115 with 3                    -       345 properties267 with 2                    -       534 properties469 with 1                    -       469 properties Just illustrates how long it takes to build up an investors portfolio.