lolSo ask you this question a start off:----------->what if, and not even know if I can get this done, because I’ve to check it out with my business partner, she does all the numbers and crunches the numbers to make sure that it works for us….but what if I could somehow get you a payment for period time that would mirror your PITI payment, your outgoing costs, and this might be for a period time I don’t know, say 24 to 36 payments, create some time that makes some equity by paying down the mortgage a little, not much, a little,Then at the end of this period of time, whatever the mortgage balance is at that time will be the sales price, we call this “buying it for the loan balance in the future”.Would that be something we could even talk about doing or maybe not?

Note holding fees would include property taxes, insurance (if you are doing force placed insurance), and servicing over your anticipated holding period. 

The consensus was that Sub 2 should be use for short hold periods and that lenders aren't typically calling loans after a Sub 2 transaction is recorded.I asked @Jay Hinrichs specifically what his experience has been with lenders calling Sub 2 loans.

Give Ben Leybovich's blog post here a read, but even more so, read Brian Burkes comments on the blog.Your CAPEx reserve is not an operating expense, it is a reserve and is deducted from NOI.Instead of looking for a specific CAP rate which will get you in trouble, you should be carrying out a discounted cash flow analysis over your {initial} hold period and determine the IRR or MIRR ... use these to anchor your underwriting, then look at things like Cash-on-Cash return to help determine the composition (some might say, quality) of the return.Frank Gallnelli's "What Every Real Estate Investor Needs to Know About Cash Flow" is a good primer to get you started.  

A home equity loan will be a shorter payback period, but will also give you a chunk of money up front.

It needs to be an active business generating income over a period of years.....a track record.  

Anytime I use this unsecured credit after that time period it has an interest due of 1% on used balance. 

And max period is 5 years.Reading about the achievements of BP fellows i just feel like I did nothing in past 3-4 years.

@Steve Babiak  @Jon S.Gas fired HWH while having the same capacity as an electric HWH, have a much quicker recovery period.  

I think that we're stuck with keeping the tenants and waiting to sell until the end of the lease period.