When I closed on my first duplex in Harrisburg, Pennsylvania in August 2017, "the 2% Rule" was the gold standard for determining whether a property would cash flow.  

I want to buy & hold appreciating properties in neighborhoods where I can find decent tenants.

We play games called, "lets show the property to a perspective tenant" and "lets go to closing together" and "lets deposit money in your bank account" and "lets review your college fund investments".

If you are doing fix and flips etc. and have an active business then yes, but owning rentals rarely gets you a business line of credit.

When operators mention employer names or area amenities, they should look at where their actually tenants work and pitch that vs just big name companies whose employees might not ever live in the building.They always pitch no capital calls, but will be interesting to see how investors fair after inhouse loans will be paid off to the properties they needed to do that with. 

The key is to create an amazing property, in a great location, then manage and market it better than the sub-par property managers in the area. 

When it comes to 2-4 units not all markets are created equal. the northeast and midwest tend to have a lot more market for these properties then do newer areas of the south and west. 

We put 12% down on the property at a 5.99% rate and contribute another $120 or so every month towards the principle. 

I am interested in learning more about Buy and Hold properties.  

I have decided to partner up with another investor to buy this property together.