I think most of these folks on BP that don't really understand HML think that the lender has there own personal stash of 20 or 30 million and they are making not only all the points and junk fees but making interest on their money that is just sitting in the bank..

The tenant pays the property tax bill, insurance, repairs, short and long term deferred maintenance on all building systems directly -- you collect a rent check and stash some of the proceeds in a capital reserve -You can still get good deals in the 6-7 cap range in strong MSAs with healthy population and job growth rates -Attractive financing available -- you can still get 7-year fixed money around 4.25%, 25-30 year am, and 10-year money at 4.5%, 25-30, for good quality deals Pitfalls to look out for:-Avoid franchisee deals like the plague -Ensure that the guaranty language is rock solid and that the parent company's balance sheet and operating history is strong -Ensure that your lender will accept a very high property insurance deductible -- many of these big national companies are effectively self-insured in this regard -Avoid deals in which the tenant is paying an above market rental rate that's out of line with competing retail space in the immediate vicinity -Try to focus on "daily needs" tenants that sell perishable goods which will make them less susceptible to "the Amazon effect," at least in the short term.

You have two options, you can calculate your DTI to see if you could qualify now or wait til everything is paid off next year, stash away a few months worth of savings then go from there.

Going forward, get a decent stash of cash for making downpayments/purchases and reserves.

and stash for additional cash reserves.Concerned in the current politicized and medical climate there may be a mutation or relapse (or MSM-fueled rumors of them) which could chill the market again in the Fall or Winter.

I am not sure if this is the right way to go since I don't have a stash of cash laying around.

Over that period I've managed to save roughly 40-45% of my net income and have been stashing that cash for when I do find a deal (of course it hurts to see a large amount of money just sitting... earning nothing haha). 

Some people like to examine the financials, but I've found that I'm not smart enough to understand the amount of cash they should be stashing in reserve accounts.

--Due to low interest rates, the savings I have stashed away over the years and the ability to put just 10% down with a SBA loan, I'm thinking now would be the time to buy.

I bet this guy stashed away a lot of money before everything caught up to him.