. $0 down, $5,000 payment per month and a balloon due for the rest at the 10 year mark.At the time the balloon would be due, I would have paid $600,000 off and owe a balloon payment of $400,000.At this ten year mark, let's say the property is now worth $1,300,000.

I have worked with this borrower many times, never been a day late on payments.

Typically investment properties requires 15%-25% down payment depending if it's a single family or multifamily.

Peer Street struggled with Underwriting, collecting payments, and the math that an accounting firm calls audited while from the outside everything looked pretty. 

There are some interesting loan products that can lower your monthly payment which can help cash flow but these will come with trade offs. 

Yes, the HELOC payment will go into your debt to income calculation but so will the rental income you are bringing on the property you just purchased.

@Isaiah Cuellara house hack is not supposed to cash flow, it's just supposed to replace your rent payment with a mortgage payment that it the same or slightly lower. 

They ask for a Zelle or Cash App payment so they can steal your money.

If you show a loss on your schedule E, the lender may decide to hit you with the full payment as a rental loss. 

I am looking for the best and most cost effective software for the following needs:-ACH rent payment and rent payment tracking-Lease expiration tracking-Maintenance costs by property-Maintenance requests by tenants-Document generation for a small amount of documents (lease amendments, late payment notice, etc.)