Did however speak with a lender yesterday that will allow you to roll your fix and flip loan into a longer term loan for one point. which would bridge the loan until the property has seasoned with a tenant.

They are rolled forward into future years, and she will eventually be able to take all of them when she sells this property.

The other possibility is we test raising 1/4 of the rents and tenant loss is minimal, maybe we just go ahead with the rest. 

I would sit down with your team leader or coach and develop a strategy once you join a broker or even test them out before you join with this exact question.I would discuss with them what 2-3-4 niches you should focus on for the next year. 

That all gets rolled into SP/500.However, I have about 100k in a brokerage account.

In my position I don't want to enter a property that doesn't cashflow in hopes that the market stays hot here....there is too much flux in the world for that imho...but cashflow alone is only part of the equation.Ultimately, this question was asked because I was using the calculators for the first time and doing my best to learn and expand my knowledge...and I wanted a little clarity around what I saw that didn't pass the sniff test.

I have some ideas but I would like to leave these questions open-ended to test my own theory.

Here is what you really have:1 - $60k DP, $576/yr cash flow, 104 years before you recover your DP and start profit.2 - $150k DP, $5,700/yr CF, 26 years before you recover your DP and start profit3 - $210k DP, $9120/yr cf and 23 years before you recover your DP and start profit....the answer is, (cue the drum roll....and cymbals...)Option 4:  None of the above

Run the numbers, and figure out how it could work for you, not just now, but in the future when you roll out of it and turn it into a rental (if that's your intention.) 

I’m going through a REFI now and the bank is asking for everything except my recent COVID test (negative).If you are still reading, thanks for not getting distracted and pressing through!