Wouldn’t we want all of our properties to produce cash flow?

If I'm reading this correctly, your friend produced the 20% downpayment and you took the burden of the loan?

You're placing a bet against the casino, and the casino only needs to win 51% of the time to come out ahead overall, no one on Wall Street is sitting there watching your particular loan and if you buy points or not, any more than the owner of a casino is watching one particular person put one quarter in one slot machine.

higher LTV equates to higher leverage which can produce higher ROI. you have to live somewhere.  

I enjoy the opportunity to buy many products and produce from the network of local farmers.

Meaning, you live in one of the income producing units.  

Purchase a Rental PropertyLet’s assume that Jane purchased a residential income producing property for $350,000.

I have reviewed over 100 MLS listings and they all seemingly produce a hefty negative cash flow (I am crunching the numbers as if I was not living there).

As I stated in the description, the agent I have been working with is not producing, like at all lately, aside from sending me daily MLS listings.

How can you get your investors in and out of this deal in somewhere between 5 to 10 years, while producing a return for them which they find compelling?