My REI model is SFH rehab and resell.

It takes your brain a few minutes to switch from answering a regular question to math mode.

@Todd PlambeckYou may have picked a poor analogy ... my neighbour has chickens, so I just go next door when I need fresh eggs ;) I understand your explanation, my curiosity and amazement arises from the observation that wholesaling seems to survive due to market inefficiency. ... and where does the "bird dogger" end and the "wholesaler" begin?

Now, will your investment survive?

Having worked with many people over the years struggling to survive, I know that helping someone like that starts a ripple effect, rescuing families, etc.

If the HELOC truly has priority in this title, then no other lien will survive (in discussion) on the Subject Property.

For multifamily that is Net Operating Income and Cap Rates.This consistency allows banks to make lending decisions and investors to quickly determine if your deal fits their investment model. I

Joel, thank you for your reply.I live and work in Las Vegas,NV .Some houses went down in price over 15-20 % in last few months here.Last June a house 2000 sf was in my street was sold for 221 000 $..same model is listed for 166 700 $ for over 2 weeks now.As you see Realtors are in tough spot to sell today.Is it legal in state of NV or no for Realtor to get smaller commission but close the deal?

Your student loans are the killer.Student loans will follow you to the end of time.They survive a bankruptcy.The government wants their money back although they can't manage it!

Completely agreed - I just wanted to see the excel so I could understand how things are calculated, then I'll be fine with the software after a couple of them :) And great point about the brokers and getting out and networking - a meeting I had with a broker is what prompted me to get a model I could really understand!