There are several important factors that qualify the property for these loan terms. a. debt service on the property b cap rate c. any neglicated maintenance d. credit of borrrower e. type of property

In my reading, I've come across the suggestion that an ideal situation/purchase of investment property is one in which the seller finances the purchase.

Each landlord will have their own requirements as far as age and income and other factors as well.

I can definately relate to the fear factor.

When partnering up with someone its important that you spell everything out on paper, that way all parties know what they are getting into and they are no surprises.Partnering up with your girlfriend may or may not be the best ideal only time will tell.

Moreover, because the entry level is 90% less per Studio Suite in the Philippines, the risk factor is greatly deminished.

There are a lot of factors in why I want to leave IT and NY.Good luck with the sale of the Apt.

It is not the only factor.

So the "leverage" hasn't been a great factor for you.

In my opinion not owning any real estate at all but in my current work place I deal with a lot of men and women.