I put the changes to my previous formula as a bold font.Property Type : Single Family 3 bed 2 Bath.Property Price: $200,000Down Payment of 5% at $10,000Loan of $190,000 at 5% interest rate                         ExpensesTaxes $475Insurance $ 115Electric $ 100Water $ 70Gas $ 50HOA $ 0Lawn $ 25Vacancy $ 100Repairs $ 50Capx $ 100Mortgage $ 1284.96Total Monthly Expenses $2,369.96                  "Cash Flow" (Didn't know what to title this section)Out of pocket $1,069.96Tenants Rent : $1300 Cash on Cash Return (This is the main part I need help with)Down Payment $10,000Closing Cost $3,000Rehab Budget $7,000Total Investment : $20,000

Larry,You IRA (or LLC it owns) can not invest in your own deal, period.Using an entity (regardless how private it is) doesn’t change the fact that you personally are behind it.

In 10 years, things have changed so drastically ...

Where i'm from, once the property changes title, the clause ends.

I’m responsible with money and will reinvest it back into real estate and if things change use the cash flow to pay down my mortgage.

Since then, I have had a couple life changes (grown daughter moved out and broke off my relationship). 

Im unsure how to refinance in two years would change my interest rate and how it would work...Thanks for your help..this list was super helpful!

Or do I consider this after several years of renting and then change out later once I build up CAPEX.

Then it changed to the 60/40 split. 

Or do I consider this after several years of renting and then change out later once I build up CAPEX.