I think in the end, it's simple math.

Do the math.  

Quick math says that $826 x four years but in actuality, it was probably more like $726 x four years since I’m left holding the utility payments.

Creativity, and the understanding of basic math (Algebra and Geometry), allows us as REI's to design these strategies...on the fly.  

Otherwise, you might buy what you want to live in initially and find that the math doesn't work out for a long term rental when it's time for you to move.

Here's what you need to do:1 - Analyze, as in do the math...ALL OF THE MATH, for what your total cost would be based on actual numbers with dollar signs in front...NOT percentages behind them. 

Simple math.

Would you mind showing me your math to get to 8%? 

I think I have to do more math to understand how am I going to make money out of it. 

Once you have that, you'll know how much you can put down.And you can go to the seller with your math and say, "This is what the property will support monthly and this is what I can put down right now."