I am all for finding the best deal I can for my clients and myself but reality has to be part of the equation.

I guess that I'm equating it to a Realtor that takes an overpriced property just for the listing.

If you are actively doing something with your money and setting up different insurance policies then it seems perfectly legitimate to compare it to me doing something similar and setting up a margin account as in my previous post which easily outperformed the infinite banking even without any of your  fees calculated into the equation with your 9.6% total earnings versus my 11% total earnings. 

Take yourself out of the equation. 

The numbers I have seen would not create enough foreclosures/evictions to create enough supply to massively change the equation, plus that process will draw out over time. 

Your numbers for expenses/cash flow based on your parameters really don't fit a reasonable profit equation so I'd make sure you are working with someone to walk through different scenarios.

Essentially is as follows:New Lease Fee (one month’s rent) + Expected Missed Rent + “Refresh” Cash(Refresh Cash = the amount out of pocket to prepare the property for new tenants, after tenant deposit is spent)It looks like this:(A/B)+(A*C / B)+(D/B)Where:A = New lease fee (1 month's rent) ($1,000)B = # of Months in lease (24)C = Expected # of months vacant in-between tenants (1.5)D = “Refresh” Cash ($500)In this example:($1,000/24) + ($1,000 * 1.5 / 24) + ($500/24)Which is:41.67 + 62.5 + 21 = $125 which is 13% of monthly rent in this scenarioThe equation allows me to make a judgement call in many different scenarios.

I am trying to calculate like the owner occupy unit doesn't exist in the equation. 

The property taxes are higher in TX but that is just one part of the cash flow equation.  

My ownership equates to 88 of the 141.