From a leverage standpoint, it would appear the best thing to do is the 25% down, 10/30, but I just worry about the potential balloon payment after 10 years if I am unable to refinance.I can afford the 45% down, but would love to be able to use that capital toward another purchase.Thank you for all responses in advance,Bruce

Thanks in advance for input! 

However, if they wanted to justify it, I'm sure the justification is that renters cause more problems than owners; renters tend to live then shorter periods of time and there are expenses when someone moves in/out such as extra trash pick-ups, programming them into an entry system, cleaning costs as the move in/out can be messy around the building, light damage to the building, scheduling of the freight elevator, cost of providing additional notices as now the tenant and owner need to receive copies, etc.

Thanks in advance. 

A newbie got a question here, so thanks in advance for all answers.I am curious if rent paid by tenant is subject to sales tax. 

It will be nice to hear some experiences, advice, and opinions on the idea, the area, and anything really to help me with this next REI adventure.Thank you all in advance for your input!

I apologize in advance for the wordy post, but would appreciate if anyone has good ideas.I recently started using Rentec Direct (property management software).

It's a little frustrating that they paid all their lives to support others on medicaid and other government programs and now they cannot reap any benefit themselves unless they lose virtually everything they have.Any thoughts?

They know enough to sell their mentoring program to newbie investors who do not suspect anything.  

Some of them have excellent incentive/rebate programs on insulation, water conservation, ACs, etc.