@Frank ChinBased on the opportunity value of cash your equity, if your mortgage free, is most likely creating negative cash flow from your investment property.With the opportunity value of cash at a minimum of 10% for every 100K in equity you must deduct $833/month from your rental income to insure a accurate accounting of your TRUE income.Investors must keep in mind every property has two separate income generating streams.

I would like others opinion on this offer that was made to me wondering if it’s worth it or not duplex zoned t5-0 commercial resident price at 800k also was offered seller financing cash flowing roughly 80k a year expenses coming up to 22k upstairs is 4 doors all rented out 0% vacancy and downstairs rented out by a chiropractor I’m open to all advice is it worth it bein that it’s my first deal 

.- Consider a Cash-for-Keys Agreement: To avoid the lengthy eviction process, you might offer the female tenant an incentive to leave, known as a “cash-for-keys” agreement.

After 3 years total I would refinance for another 15 year plan and my mortgage would go down to $3600 and I would start getting $600 cash flow. 

For turnkey properties (given your $20k constraint) it may be difficult to break even on cash flow within 2-3 years.

I am trying to not throw a ton of cash into the fees as I’m already about 12-20k deep in.

I am not sure which market to look into as right now I am currently in new york and was told my best bet for cash flow would be to look oos for deals that I could use as a rental or house hack.

Maybe 1-2 hour class, so check with your local authority who runs the sale to see if they offer a class.Last thing to remember it is pretty much a cash business. 

Easiest is offer cash for keys.

That way you can reduce your living expenses and get cash flow from it.