Hi Brian,You're on the right track, but to determine if you're truly generating cash flow, it's important to look beyond just your mortgage payment.Here's what to consider:Income: You're receiving $2,100 in rent, which is great.Expenses: Besides your $3,232 mortgage, you likely have other expenses like property taxes, insurance, maintenance, utilities (if you cover any), and potential vacancy costs.If your total rental income exceeds all of these combined costs, then you're generating positive cash flow.

However, I would suggest you calculate a 5-10 year pro forma on each property and calculate an overall IRR for each so you can compare and contrast based on your risk tolerance.

I'm a CPA and husband a financial planner so we're pretty focused and knowledgeable on the financial analysis and planning side. 

He earned quick money as a wholesaler, and I have a house to keep)Rehab cost: $20k (vinyl floor, interior paint, new dual pane windows, new toilets and bathroom vanities, lights, new landscape, new AC condenser, all done by handyman, spent some extra money for minor plumbing and electric jobs, hydro jet sewer lines, clean up attic (had mice), added some insulationTime spent: 3 weeks (two handymen for the first two weeks, one for the last week)Value after repair: probably around $440kJobs still need to be done later: some dryrots, roof work (it's tile roof, roof doctor quoted me $9k, handyman said probably $5k, home inspector said $15k you can get a new shingle roof.

The title would be in my name only on closing, so I would 'own' the property, making it a refinance, not a purchase.

I was given the loan terms verbally from a DSCR loan broker out in California for a cash-out refinance on one of my rentals.

Received this message on VRBO. 

I have been working on a flip in Westshore Tampa.

In general, Indianapolis is currently a Seller's market with an average of 9 days on market.

I have a new tenant and we are working on a lease, the rehab from the old tenant and the new TI will be $500,000.