You might pass this test at 50% LTV, but by the nature of RE, it is not considered "marketable" from a liquidation stand point without slashing the price for an immediate sale.

If you're only willing to consider real estate in a certain area and that area has crummy returns then you should consider alternative investments.

While much of what you will learn here is universal in nature, there are distinct differences between the U.S.A. and Canada in areas of regulation, taxes and financing.

Is out of state investing a legitimate alternative?

I agree with you some people can be a natural teacher, not many but some.

We provide alternative financing to successful real estate investors or contractors to buy distressed residential properties, and work with them to bring their business to the next level.

But a healthy economy should show some level of natural steepness as long as investors and businesses are still investing long-term, keeping a healthy demand and higher rate for longer-term financing.

You will be eligible to deduct up to 25k this year and depreciate the rest over 5 years if it is 100% business use.As always a solo 401k is a great investment as can be a Defined Benefit Plan (aka Pension) contribution if profit will allow it.Without knowing the exact nature of your business and cash flow it makes it difficult to make suggestions.

I'm using the standard BiggerPockets interface, though I'm completely open to alternate recommendations, as I'm clearly not having much luck with it so far (though I'm thinking operator error...).

Naturally, the answer to the question of how you move forward is to utilize the services of a qualified and licensed mortgage originators.