What that means is that you're paying yourself the same return on the down payment as you're paying on the loan.

When will you be returning to our fair country?

It's still a bad deal.Another way to look at this deal is cash on cash return.

If she is on the title she will have to file US returns, whether you two file jointly or separately is another question best answered by your CPA or tax preparer.

Return is based on risk.

If you put in a down payment, your cash flow will improve, but the added cash is the return on your invested cash and not from the property.

Any buyer would welcome that.In return you would like to be compensated for your efforts once they purchase the deals you bring them.This is many times refered to as being a "locator" or a "bird dog".I would also learn as much as possible from these individuals.

I know more it better but what are the general spreads on cash on cash return?

I began buying SFRs and rehabbing them with the intent to hold them for a return (also, I always keep my options open).

You're young enough that even a modest return, if kept up consistently, will have you very happily retired.