It does appear we will be well served to figure out a way to automate—at least to some degree—the mailing of 1,000 pieces at a tie.

Please move if this is not the right forum.I am looking for a spreadsheet that includes the following: - Amortization Schedule tied to analysis sheet to separate interest expense from principal on an annual basis- Income Tax rate input so I can analyze after tax cash flow resultsUltimately, I would like a detailed income sheet and cash flow statement to calculate ROI, Cash Return and to analyze hold or sell/reinvest scenarios based on the return on equity.I looked through several spreadsheets under tools but could not find one that had enough elements to pull together.

But if we did anything in those areas, it would tie up our capital for a while and leave little room for flexibility when the next downturn does happen. 

Your loss might be tied to the values that were creating a "short sale" situation.  

The concrete was apparently the backdrop for this tennis shoe Picasso, because the ground was spray painted yellow as well.

She's tied me up in a lawsuit for a year and half, my time, money, energy, huge legal fees, etc.

Here's a tip hiring a discount broker; put yourself in their shoes, see what they must do and expenses they have in a deal.

@Travis HauserIf I were in your shoes with young children (I'm assuming pre-school age) I would buy my first rental property (sfh or small multi) as an owner occupant - Live there for a few months or a year and move to your second rental property as an owner occupant - repeat as often as possible - Once your kids are school age, this will become less attractive because you will want to keep the kids in the same schools

This probably isn't going to be an issue on your first deal, since you don't have very much to protect yet.Residential loans usually have lower rates and longer amortizations, but they tie your personal name to the property, opening you up to potential lawsuits from unhappy or injured tenants.

I do think the Bay area could be different as it is so tied to tech that if tech stocks correct everything could change quickly.