I'll be blunt - you're lack of knowledge and insistence on being right is FRIGHTENING.

You could settle for less, but most people right now, myself included, do not look at anything under 11 CAP.It is important to realize that by putting money down in this case, you are simply “buying” CF.

Lack of high LTV loans for multi family has caused ours to crash in price.

But many people have prospered without such advice, and more power to them.My mentor has helped me with decisions that I simply did not have the base of experience to figure out by myself.

Any HOA simply wants their owners to pay their dues.

If you have 100k equity in a house but it's not going to be easy to rent (same number of bedrooms (3) as a smaller house but bigger sf by 1000) do you sell it and acquire a smaller house that's more "rentable" or simply lower the rent price and eat the greater maintnance costs (carpet, two AC units, etc)?

If I just do a cash-out refi of one my properties and use the money to either buy another existing apartment building, or simply blow the money on a new Bentley, then the lender wouldn't have much of a problem??

Then, simply add the land value and the MH value together, and that is what is fair.So at $550,000, they are way high in their asking price, - unless that is an awfully nice house and shop..!

They put up the cash that you lack to get it done, and they share the deal with you.

I don't know what that is, but simply plug your loan terms into any "loan amortization" calculator available through google search.