The insurance adjuster was contacted same day and I was given a check immediately (a few days) so I can find an apartment.

Personally, I can't think of any way to affect the global changes in this industry without devoting more time and energy than I believe it's worth.I would rather spend my time adjusting my strategy to focus on those areas that are most profitable at any given time, while still maintaining the work/life balance I desire...Again, just my opinion...

I figured either way she gets the entire amount, regardless of the terms at closing, and we can adjust if need be in the near future.So I will need to amend the contract myself with the seller once I figure out how my end buyer needs to pay, whether its cash, hard money, etc?

Also, how often does it adjust after the 3 years have expired?

From more shortsale courses, to tieing property up with subject too's, while applying to the bank for Mortgage rate and Balance adjustments, to more foreclosure courses, to Tax lien Certificates, Probate courses, etc.The Banner ad at the top of this page comes to mind as I write this.

OrThat the adjustments made are oustide the underwriting or appraisal guidelines and again, that either the adjustment is modified or that a better comp exists.Attacking an appriaser's judgment will get you no where and probably cause you more grief in the long run.By obtaining better comps or data used to make the adjustments will give you a better chance.

You will have to constantly adjust your approach to stay ahead of the game.

And your scenario implies that you are using adjustable rate financing, which in my opinion certainly detracts from the leveraged scenario given the likelihood of rates rising over the next several years.

Expense79320TOTAL OPERATING EXPENSES36298480107784TOTAL OPERATING INCOME255761572112501CAPITAL EXPENSERoof Replacement25000TOTAL CAPITAL EXPENSES25000NET INCOME (LOSS)253261572112501ADJUSTMENTSTenant Deposit600500-1100Owner Draw-25926-16216-9901TOTAL ADJUSTMENT-25326-15716-11001CASH FLOW:001500

I use the 50% rule to figure my cashflow (adjusted down just a little since I do the management and maintenance myself).