The banks aren't lending unless you have 2 years in the same career field so I took that as an opportunity to make all the adjustments now so that in 2 years when they finally decide to lend I'll be okay to go.

If its bigger, you adjust the selling price down. 

On an average, the properties I sell go for under 100K so that 7.1 mil is the hard way :) If any of you work with REO properties, you know just how paperwork intensive they are and how much time you spend at your desk instead of out selling.

I look at 20% atleast for COCR, but you may say 30% is the minimum I need or 30% is not happening in my area so you will adjust your numbers as you go.Feel free to PM me if you have any questions.

I've learned that lesson the hard way and have had to adjust to weed them out as fast as possible.Kudos,Mary  

“If buyer is an investor the transaction is exempt.”1 TRANSACTION PER 12 MONTHSa) Seller must determine if the buyer is an investor or “consumer” defined in the DFAb) Seller is a natural person, “not a Corporation, LLC, partnership, trust, estate, etc.”c) The seller did not construct the propertyd) The financing has a fixed rate or does not adjust for the first 5 years, a balloon is allowede) No negative amortization3 TRANSACTIONS PER 12 MONTHSa) Seller must determine if the buyer is an investor or “consumer” defined in the DFAb) Seller is a natural person, “or” a Corporation, LLC, partnership, trust, estate, etc.”c) The seller did not construct the propertyd) The financing has a fixed rate or does not adjust for the first 5 years, a balloon is not allowede) The borrower has a reasonable ability to repay the loanThe loan is fully amortized (no balloon)ALL OTHER SCENARIOS REQUIRE A MORTGAGE LOAN ORIGINATORS LICENSE AND ALL REQUIRED TILA, HOEPA, RESPA, AND HUD, COMPLIANCE UNDER THE DFA.Violations of the Acts all under oversight of the CFPB are subject to Federal and State fines, and rescission of the sale,

The formula stays the same but the numbers you use need to be adjusted depending on what is going on.

But likely with a little intensive research I can find this same information at a fraction of the cost on the Internet or on eBay.

Sometimes you have to adjust your thinking a little to realize all of the returns you are getting.

I would like help thinking through the impact inflation will have on my buy and hold returns, specifically when financing with an adjustable rate mortgage.I am thinking about bundling some SFRs into one package and refinancing so I can pull out as much of my investment as possible.