Here is an example of my third property I purchased (duplex) I am choosing this one as the price was $100k and makes for easier math:Purchase Price: $100,000Rehab cost: $19,500 (remodeled one unit, roof patching, finished flooring in both units)Closing Costs: $4,340All financing (Mortgage and LOC) amortized over 20 yrs (4.75% int rate): $801.32Vacancy: 5%Repair: 10%capex: 5%Management (I pay this to myself): 10%Taxes: $2,937Insurance: $1,300Cap Rate: 10.81Yearly Cash Flow: $3,787Principal Paydown: $3,808

Our TD LOCs were opened more than 3 yrs ago and are prime + 2%

I DON'T WANT TO SELL THIS HOUSE.I'm now a stay home mom, and this house is only thing I own. we brought it 2 yrs ago under my name only.we were both working and made about the same money but he has huge student loan debt and he never pay, only has IRS take his tax returns.

It sounds like the area is becoming more popular.You could try seller financing to the current tenants which would give you income for the next 20-30 yrs (or until they sell and pay you off...or default on the loan). 

The 1/1 has <5% vacancy in the 3 yrs I've owned it and cash flow's $300/month.

15 yrs.

For the past 13 yrs I have worked supporting families who have young children with disabilities.  

I am only planning to live in the home another 1-2 yrs, but I'm underwater (va loan so refi still possible) so I plan to rent it out when I move.

HAVE 30 YRS IN PROPERTY MAINTENACE .RAN APT COMPLEXS.

These are borrowers who without the Tax Free Appreciation and Tax Write Off Savings of buying a home, won't have a "Pot to P_ _ s In" after this run up in values over the next 7 to 10 yrs!...."