-Utah: Americafirst 80% LTV on noo 65% LTV 15 year 5.74%-First Florida Credit Union (Jacksonville area)1.99% for 12 months, 5.25% variable 80% CLTV 20 yr w 10 yr draw-Hurst Lending and Insurance Investment property HELOC in Texas-Tower FCU, all states except TX, max 45 DTI, green card ok.

@Isaac J Mork, I think most people have the same initial reaction to variable rate loans.

Rough hypothesis, there is an exogenous variable tying these together.

With Commercial, the variables that come into play are vechicles per day, ease of ingress/egress, aesthetics, loading dock, signage, visibility, interior dimensions (square is better than long deep rectangles), neighboring tenants etc. 

Cold calling probates, pre-foreclosures, tired landlords, and liens in a 45 minute radius of where you liveLooking at these variables only.. not population, median home price, equity percentage, etc

Variable expenses I use 8% vacancy, 5% repairs and 10% CAPEX on properties that rent for >$1000.

And what variables influence your calculation, like is your investment considered the whole purchase price of the property (loan + down payment + rehab) or simply your cash investment?

There are too many variables for us to be able to provide numbers up front.3.  

I've adjusted the deal analysis spreadsheet I use dozens of times to take advantage of the lessons I've learned from making mistakes.Whatever you use needs to be able to account for multiple variables. 

I recommend you do this each year to adjust for utility increases and other variables.