Both approach that is 3.5% and 20% downpayment has its advantages and disadvantages but if you ask me i would advice you to go for 20% downpayment if you have enough fund to finance the mortgage because the essence of having a successful real estate investing is to earn more, gain financial stability and build wealth through generation of consistent  positive cashflow and equity.

@John Barry I know it sounds like a great idea, but there are so many reasons why this is a bad idea;Tenant could die Tenant could lose their jobYou may not like them anymore and need to be evictedYou must put all money in an escrow account, and take out their rent monthly as earned.

Hi @Paul Vincent due to the fairly strong response to my interview on podcast 211, I've created a JV program for first position NPLs, sort of a "learn as you earn" program for those who want to invest in a note and have play-by-play involvement.

airdna.co is one, I've ran analysis on my own area though and the numbers weren't very accurate, lets just say I would be retired If I was actually earning what they say people do in my area.

Working on a flip and have some friends and family that want to invest into the rehab costs for easy earnings on their money.

Promoting themselves as having professional capabilities in any of these areas without specific certification or license would likely lead to problems with their local board of realtors and to law suits from clients.Most real estate agents earn their living selling homes with 1-4 units for whoever will buy or sell.

Beware of "sellers" and make them earn your trust before you can turn them loose.  

If in fact it has 100K in equity it is costing you $833/month in lost income or to put it into real terms when you subtract the $833 equity payment from your $1000 after debt repayment the property is only earning you $167/month to cover all expenses and provide cash flow. 

., former employer 401k) to a solo 401k are not reported on Form 5498, but rather on Form 5500-EZ, but only if the air market value of the solo 401k exceeds $250K as of the end of the plan year (generally 12/31);When funds are rolled over or transferred from an IRA or 401k to a self-directed IRA, the amount deposited into the self-directed IRA is reported on Form 5498 by the receiving self-directed IRA custodian by May of the year following the rollover/transfer.Rollovers (provided the 60 day rollover window is satisfied) from an IRA to a Solo 401k or self-directed IRA are reported on lines 15a and 15b of Form 1040;Pre-tax IRA contributions on reported on line 32 of Form 1040;Pre-tax solo 401k contributions are reported on line 28 of Form 1040;Roth solo 401k funds are subject to RMDs;A Roth 401k may be transferred to a Roth IRA (Note that from a planning perspective, it may be advantageous to transfer Roth Solo 401k funds to a Roth IRA before turning age 70 ½ in order to escape the Roth RMD requirement applicable to Roth 401k contributions including Roth Solo 401k contributions and earnings.)

If we start talking about IRR, instead of CoC (which is the logical and intelligent thing to do) those 10%, 15%, and 30% numbers become a lot easier to hit...except IRR involves exiting the property, meaning the money will need to be reinvested somewhere else to keep earning you a return.