Other factors that influence a HML is the comfort level with funding a home that is not a first time home buyer home....which could lower the loan to ARV % from 65% to 60% for example.

That book was a big influence for me, I should re-read it myself.

This will substantially lower your payment.

Once you have substantial money typically hundreds of thousands or more in cash you do not want to place in such risky investments.If you do it is a small part of your overall portfolio it minimize risk.

Denver is suddenly a sellers market and we are sitting on some substantial equity in both houses.After talking things over with my wife, my mortgage broker, and re-reading Rich Dad Poor Dad, it looks like we are ready to tap into some of that equity and make the accidental investing a purposeful event.In a few weeks we'll be aggressively hunting for new places.

The coupon does influence the purchase decisions but remember than most of the loans are securitized.

Commercial tenant pays substantial part of expenses.RE Taxes are only 9.5k yearlyI wish I did have those contacts but it is my 6th month in the biz and my rolodex is lacking.Could an interest only loan be viable?

Raise the rent on the current tenant if the market will substantiate it. 5.

definitely make use of gov sites to help you provide more insight into areas:census data- zipskinny has some interesting stats based on census- go straight to census site for data- neighborhoodscout is another resource- local gov site may have more stats about neighborhood and demographicsschool district data- find out school districts in the area and look up related local gov website for stats- check out greatschools.com and similar sitespast sold data- the usual: connect w/a realtor- review zillow on past solds for your target property profile- trulia can provide some more insights into areas like zillow doesrental comps- check rentometer- craigslist- local realtorgoogle maps- cash for gold sites, payday sites- affluent supermarkets, restaurants- public transittake into consideration how proximity to certain retail biz or transit can be desirable or influences the local areaNY is a cramped place to evaluate neighborhood on just google map factors listed above alone... i know there are various neighborhoods and depending on what block or side of the tracks, values can go up or down.

But as a landlord I am only willing to forego the potential customer if I have something substantial to hold the unit.The other question I have is for those people that have the tenant sign the lease with only the security deposit.