I've taken a different strategy - and have gone for quality growth areas vs. strict cash flow.

There is never an issue with making the repayments.The mortgage guidelines in Australia are super strict so everyones perception is that they alway must afford to make the payments.

Please write or post here if you'd like to see an online event and any thoughts on content or format.FYI, I understand from wonderful BP team that the event itself would need to be posted strictly in the Marketplace.Any web conference tools people prefer, such as Google+ Hangouts?

Everything I want to do is buy and hold, so I STRICTLY look at cashflow and cash on cash return.

Account ClosedHUD does offer a 40 year term with higher LTV's for larger multi-families however I think the program is very strict.

One attorney I talked to said Dodd-Frank applies to Rent to own, Lease Options, Lease purchase, and Selling the beneficial interest of a trust - anything that is not strictly a rental will require vetting financial qualifications using a mortgage broker including the 43% debt to income ratio.

Once you are looking for strictly investment properties, 20% is often the least a lender will accept. hope this helps!

I am new to real estate investing but my end goal is to be doing deals strictly in commercial.

@Forrest LundstromI strictly impose my break lease fee after being burned by my first break lease.

There are very strict requirements around adding density (i.e. converting from SFR to MFR) which would not require a zoning change but does require a board review and approval.