Vacancy rates have killed my returns and I'm currently cash flow negative.

I will go up there the Saturday I return.

Quite frankly I lean more toward flipping because I enjoy the process of seeing something transform (though that may change when doing it for money) and also because of the potential for higher returns.

The section on the left hand column of the table (starting with total annual income and ending with annualized total return) a formula for each would be very helpful.

However, when I add back the principal and the tax benefit my net return is around 8.5%-10.6% per year. 

First deal to get my feet wet in REI but have quick question.In contract with a property that I expect will cash flow $70-150/month (10% vacancy, 10% PM, $100/mo comb. capex/RM); cash return of 7-13%, excluding what I'd pay myself to self-manage.2/1, rentable condition, listed at 52, offered 32, in contract at 41.5. 

How do lenders calculate debt to income ratio using the schedule e on tax returns?

However, when I add back the principal and the tax benefit my net return is around 8.5%-10.6% per year.

[Just try to ensure that the returns still work in your favor, even at 100% leverage!]

I could also easily find old relationships to leverage in the RE community there.Cons- A Higher rate of vacancy and across the country from me now.Market 2Pros- A larger city with colleges, growing RE market, and fairly stable economyMy wife is from here so she would know the location, crime, etc.