There is a down payment needed to get into the deal and terms are set in place.

Second, commissions are set at approximately 5-6% because that's what it takes for an agent to earn a living.

The sales pitch is appealing, with the company setting up the new equipment, servicing the equipment, and splitting out the profits; however, the commitment is LONG!

This slogan merely means you can put down ZERO and the Investment will be NEGATIVE but if you buy it without financing it, you will Cash Flow.You make the Investment Cash Flow.Also, Cash Flow can be a distraction from much bigger problems.Buying a Property that you cash flow in a DEPRECIATING Local Market is a set up for failure.Take Detroit during the decades before it went bankrupt.You may have bought a Cash Flowing property decades before, but the writing on the wall was that Detroit was going to depreciate when the Domestic Auto Industry was a decades long slow train wreck.Detroit, at that time, was 90% dependent on Domestic Auto.There are 2 rules that I follow:1) ALWAYS buy in Appreciating Markets with a horizon of at least 10 years2) You (notice, I said YOU) SHOULD Make the Investment at least break even if not some positive cash flowIf you are in an Appreciating Market, your Cash Flow will grow.For instance, I am in Brooklyn, NY and my first investment was in 1998.My rents went up over 350% (from $1k for a typical 2 Bedroom apt to $3.5k today) over the 26 years.Not only do I cash flow from the Rental Price Appreciation but soon my Mortgage will be paid off by the tenants.The Cash flow will be HUUUGE in about 2 years from now.Many Investors here seem to not understand that Appreciation is BOTH the Investment's Value and the Rental Price Appreciation.

How do you see the San Antonio market evolving over the next 5-10 years, and how are you adjusting your investing approach to align with your expectations?

As for the rate adjustment, yeah, it's messed up move on the lenders part, but lets look at the math... $41/month.

I set a target profit minimum at 15k.  

They have said on Podcasts that having everything in black and white makes fewer issues overall.Question: We are using RentRedi for our management platform that we set up to add 25.00 in late fees for every day after the three-day grace period.

In the end, doing something like that will probably give you better returns and set you up better for the future.

Sometimes lenders can do what's called a "float down", where they can adjust your rate if rates have dropped enough (enough being the key here).