Anthony Gayden - the reasons I say I swing away from the GC side is exactly what Jd Martin just said.

We are in the process of purchasing a rental home in a golf course community and everyone has a golf cart. 

I say this because if you determine the windows function but need 1 or 2 panes replaced, the doors all swing and shut and the cabinet drawers slide well, you might not carry much or any $$ for them.

But every time you get back up your a little more prepared for the next swing. 

I hope you and your family are able to swing a $750.00 or more monthly saving instead of a $550.00 per month saving. 

Recall DCR=NOI/PSo at 0%  down DCR looks like this$9020 (NOI)/$6444 (Annual Payments or P)= 1.4which is to say I wouldn't do this deal unless I was confident that I could swing the payment for awhile personal and had a plan to increase rents or decrease costs to get it in line with my target of 1.5 but in truth Id probably pass,  However if I liked the property and had 20K to put down the deal is differentAt 20% down the DCR looks like this$9020 (NOI)/$5148 (P)= 1.75 DCRThat easily passes my goal of 1.5 and I could justify this deal as safe enough that I dont have to worry about it. 

I hope our positive attitude sticks and we don't get tired of swinging hammers... 

It will continue to swing as rental homes do.Just want to make sure everybody sees both sides of this equation.

It is unreasonable to think they are all going to home runs.A swing trader in the market will make 20 trades a week (as an example) -- 9 will be up, 9 will be down, and 2 will be push trades.... so how they earn any money? 

I think some areas are topping out now (the areas that always have major swings) because wages are slow to keep up.