My brother is active in fix and flips and rentals but is not in a position to co sign at this time, so we are trying to get creativeCurrently her debt to income is 71 percent based on a two year average of her income that is at 4800 gross.

IRR specifically takes the time value of money and calculates what the average return is over a period of time and annualizes it.

I would also look up rental averages for comparable units, you can do more of a income analysis that way.

This can vary with seasonal rentals and you'd then take an average, but you get the idea). 

The S&P500, on average, will pay out around 2.5% in dividends year over year.

If that is the case, should I just put the money into a ETF since they on average net 5-10% returns which is higher than my interest rate.

In San Diego average purchases have bad initial cash flow (large negative) at 90% LTV. 

I average 5-10 million in sales a year and have never had a client use another realtor at the last minute and never used one these forms to "protect myself".

Download an app called meetup.

From what i have heard the town has been "catching up to the areas average" and "toronto investors are buying up property over asking".