Most lenders nowadays can go below a 1 to 1 ratio, but the LTV may get reduced and the rate will increase.

What rental rates are you projecting? 

It may or may not be the best time to purchase due to rates and high prices.

The crime rate seems a touch on the high side, but there is a ton of investing going on.

Yes, Jocelyn, if you bid down the interest rate, then that is the newer tax lien system. 

The cap rates are just for place marks, interest rates will help. 

., which you in turn send to them, they tell you how much they'll buy the note for, then you tell the note holder how much you can buy the note for, by offering a bit smaller amount than what charter is going to pay you.It's says on their website that once the note holder agrees to sell, either the finder can do all the work, or they (Charter Financial) will do the work for no fee to me, to buy the note.I found out about this company years ago, know they have an A rating, with 1 complaint with the BBB in the last 12 months.I just want to see if anyone on BP has made money finding notes, annuities, lottery winnings, business notes, mortgage notes, etc., by referring the notes to Charter Financial for a referral fee?

I'm looking mostly for if I buy a 4-unit quadplex (example, or Triplex), how to calculate NOI, Monthly Cash Flow, Rehab, Cap Rate, Cash-on-Cash, etc.For example, whenever I find a property on Crexi, Loopnet, MLS, etc. the NOI sounds good but when you factor in mortgage to get the cash flow, it's almost always negative.I also don't know how to properly calculate a rehab to see ARV so that may be the other issue.

Interested in new opportunities to learn and grow in.Open to meeting and collaborating with others in the field.Interested in Flips, BRRR, and other passive income opportunities. 

Please be gentle; I'm new at this and it's pretty complex :)Structure / Legal Details- we'd establish market value through a combination of comps from local real estate agent and an appraisal- attorney would establish all required "arms length" aspects including a mortgage at a minimum standard federal rate- LLC would pay us back based on a standard promissory note over 30 yrs Pros of selling to the LLC (I think)- A sale now would be the only time we'd be able to take advantage of the cap gains exclusion on this house bc we won't qualify for the "live there 3 of 5 years" rule due to the timing of our lease and our last time of residence.