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Once my clients know what they will have to accept for the extra yield they say they will take a few percent less.I know personally I don't want to buy in those low income headache areas.I value less stress,a fun life,and a more stable property than the extra yield.

Are there any low percent down programs like FHA or Homepath for non owner occupied?

It will likely be years if even in your lifetime.

To be honest, everyone was going crazy about getting refied when interest rates started hovering below 5 percent.

Hi Mike D'Arrigo,In a nutshell, most paper assets including and especially the stock market are being artificially inflated by the Federal Reserve;s unlimited "Quantitative Easing" (i.e. printing of currency) and suppressed interest rates, virtually at zero percent.

Generally, the borrower must make a cash investment of at least 3.5 percent of the contract sales price as required by the Housing and Economic Recovery Act of 2008.

Regardless of what you do many people will be sued in their lifetime for something whether it is valid or not.The best thing to do is be pro-active.Have a plan and run operations in a way that slant things in your favor if a case happens.When someone sues they tend to make many mistakes before it gets to court.Even if they have a valid or partially valid claim you can leverage their mistakes to weaken their position for a settlement before it goes to a judge.Money isn't the only thing lost in a suit.It's everyone's time to deal with it and money lost from not just the claim but focusing on money making activities as well.When an attorney sees an LLC or a corp versus an individual many will not take pro bono unless they have a slam dunk case.It will be more of a challenge with the extra layer of asset protection if you run it properly.You can create a master llc and then have a sub llc for each property etc.

I guess a really high end rental might make sense.They have lifetime warranty plastered all over the place but in fine print it is LIMITED lifetime warranty and they start pro-rating over the years what they cover and cost.So to me this just seems like a marketing ploy to sell really expensive jobs.Just get the 6k to 7k roof put on and invest that cash for more properties that you save.You can slap another roof on again down the road and still be ahead from paying 25k.