I was under the impression that, your cash in savings and monthly income will net you a higher numerical loan, but won't affect the percentage you can get..Is that not the case?

@Thierry Van RoySome comments: In European countries there are also numerous ways to take title and protect yourself (limted partnerships such as CV, or B.V., N.V. etc for the Netherlands).

This question seems a bit too general, numerous variables:* The grade of the neighborhood* The grade of the property* The ability to obtain optimal financing on the property (i.e. long-term low fixed-rate from Fannie, for example)* Area supply/demand of renters - current and projected* Area supply/demand of investors* The size of the complex - at a certain point the large institutional money is a buyer and this drives down the cap due to their very low COFSo range would be 6% - 12%.

I know an accountant that is very conservative and he does not have LLCs for his numerous properties. 

@Alan Faitel, there are numerous way to use your retirement account and be a private lender. 

Unfortunately, I've personally pelted MikeOH with numerous questions (among others of course) and he's always been graceous enough to answer EVERY SINGLE ONE (had to put that one in caps...MikeOH style).No offense to everyone else who has helped me.

Hey guys, thanks so much for all feedback provided, I have received NUMEROUS requests in my inbox for more information.

There are numerous reasons for this.Maybe they borrowed money to rehab at a high a cost and they can't refinance so they have to sell in order to get out.  

There could be numerous reasons why it's not on the market and you won't be able to push it forward or gain any inside track to be the first to buy it.

Search BP, there are numerous forum debates, blog posts, and even podcasts that cover this controversial topic.