Most people tend to agree having more money vs less equates to "better problems" but there is a cliff where that doesn't matter very much anymore.

So Jim that begs the question in your market that is what 30% Black where with huge unemployment numbers in able bodied Black men.. where are they in this equation and why are they not out there being roofers painters carpet folks etc. ?????? 

Note rent minus piti does not equate to cash flow.  

Investors often equate initial cash flow with long term cash flow but the historical relationship is poor.  

It's not a question of math, it's common sense that you're trying to answer with equations".Firstly, it's not quicker, if you're borrowing that same portion under the same terms as the original loan!

Its hard for me to equate the effort and financial risk in fully leveraged rentals.

Housing is just one part of the equation—our model aims to reduce housing costs by lowering ownership costs over time.For example, many mom-and-pop landlords keep rents well below market rates (e.g., $600 vs. $1,200) because they aren’t forced into liquidation events that reset property values.

I'm sorry that you feel mistreated, but I can assure you that both JWB and the property owner lost in this equation as well. 

Impossible Note due to the worse financing options alone $250k on an ADU would equate to a lot more than $250k on a property.  

Once they cut the govt spending that is going to equate to negative job growth most likely for periods of time.