I looked at your report after my post, unless you are paying full purchase price in cash you would lower your down payment. so if you put 20% down, that would be 36,000. that will change your COC amount to a lot better number, if you paid full price as you show it is saying you would make a return of little over 2% on the money you put in.

In multifamily value add type deals, you usually have a lower cash on cash in the first few years, and then most of the money is received on the sale after you have added all of the value and executed the full business plan.

They may also not require a balloon payment and you can go the full term of the loan if you would like. 

He was continually available and full of creative approaches and visions to help me find and get what I wanted in my life.

I wouldn't have told the tenant I intended to sell the house but that ship has sailed.The tenant is responsible for the full term of the contract.

Yes, the market has risen, but it is close to you and easier to manage with your full-time job. 

BP isn't about hoping to only pay full retail price.

I also have a decent full time career so the $ I make as an agent is strictly for my investments.

 Hello everyone, I'm an Illinois newbie in this business, and I'm not sure how to introduce myself; I have a full-time job (mech. designer) that pays my current mortgage, and I'm determined to join your club.

I seem to remember habitat for humanity being one.