I believe per FNMA, it's 75% LTV for investment single family and 70% LTV for 2-4 units.Your credit scores will impact the rate you receive (if you qualify).Your income, of course, will be used to calculate to see if you can make your payments and whether you'll qualify based on your Debt-to-Income ratio.

Sometimes if you write on check, they get it too.You should be watching your asset to debt ratio, and keep under control, while buying more properties on loan (debt).

A lot of investors I come across don't consider the benefits or are simply unaware of some of the best financial planning strategies out there especially when it comes to estate planning and tax implications, working an insurance policy as a creative investment vehicle, leveraging debt, and using things like Charitable Remainder Trusts.

They are deductiblein the year in which the property is sold.Chris Masons,That is interest on $1m in Principal.Bill Walston,AMT technically only eliminates non acquisition/improvement debt.

At that time, the buyer brings money, usually a combination of their own money and money from their lender.

So, here's the breakdown:Owner hold existing debt but let's assume its free & clear for this example.Sale price: $130,000Repair Costs: 50,000Difference: 80,000That's 40,000 a piece and for you that's a gross return of 80%.

-property tax-insurance-vacancy-property management-maintenance-capital repairs-legals and accounting.From the remaining 50% you service your debt, if any, and the remaining is your profit.

Also, in most states a deed in lieu is considered full payment of the outstanding debt, in Texas it must be stated, but in any state, it is always best to state on the Quit Claim Deed that...This deed is given for the full satisfaction of debt....

I will say that I see what I perceive to be much higher profits made in buying bad debt and that is what I need to really study next.

Forclosure simply doesn't exists, since there was only 9 forclosure last year....A simple, basic SFR is over 2,000,000 USD and a good property in a good location is over 10,000,000 USD so It's completly out of reach for me and I'm looking at condos.For condos, the median price is 10000 CHF per square meter, to translate it's 1000 USD per sq ft and it's a median price, condos near the lake or in the city center are two or tree times more expensive.With theses prices, the 2% rules is completly impossible to obtain since the rent for a small condo of 300 sq ft is around 1500 USD (0.5%) per month and a 1000 sq ft condo is arround 4000 USD per month (0.4%).The only good thing is the interest rate who is incredibly low at 2.79% for 15 years for a fixed rate for exemple, another "strange" local particularity is that in Switzerland we don't really pay our mortages, ever : for fiscal reasons it's a lot more interesting to have a debt on our house so we pay a small interest rate and have a big tax reduction.Most of the experts agree that Geneva face a housing bubble, the problem is that 10 years ago they where saying that too and prices have rised by 100% since... and there is still a severe house shortage and very low credits costs so I don't really see how things could really change...I tried to look in other part of Switzerland, the price is lower but the rent goes down too so the ratio isn't really better...One possiblity would be to invest in France since the border is so close and the price theres are 40% lower and there is a lot of government helps for investors like 19% of your money back on a new house purchase if you keep a gov fixed (read low) rent for 9 years.What would you do in my situation ?