I am really interested in real estate and stocks and have been researching on them for nearly a year now.

You can see how the first years are mostly interest and as the years go by, more goes towards principle.

**************************************Based on the numbers above, the monthly income of this property is: $2560Purchase price: $230kDown payment: $23 kRate: 3.466%Principle and interest: $ 926Tax: $216Homeowner ins: $67Mortgage Ins: $102Monthly Payment: $1310Monthly expense stated by seller: $ 185Monthly expense NOT stated by seller: $ 200Total Monthly Payments: $ 1695 Monthly Net Income: $ 865Yearly Net Income: $ 10380 ROI : % 45

Your level of risk (variation or volatility in return) depends on, among other things, your degree of leverage (mortgage or all cash purchase).Stock market investors can buy stocks on margin, meaning they borrow some of the money, and that amplifies their gains or their losses.

I own 3 properties built between 1890-1920 (as is most of the housing stock in my market) none are registered but two are in historic districts and eligible for HTC for certain repairs and fall under less stringent guidelines…if the one was one block south (in a different district) all of the work done would have to be approved by the State Historic Preservation Office.

Yes, it's sometimes harder to do things my way than other people say it is for them to do them their way, but things fall apart completely anytime I try to run things like somebody I'm not and betray my principles.

Also, rather than spend a bunch on a roof or lanscaping, you could buy the principle down to get to 80% equity.  

And he has a source for solid oak cabinets, that are cheaper than Home depots stock cabinets, that we can finish with any paint or stain we want.  

Kind of goes against any principles mentioned related to running a business, but I made it happen anyway.

If that's the case maybe all the student loans are rolled up into a long term or income based repayment plan with the hope that lots of the principle is forgiven by the government after 10 or whatever years of payment.