New principal and interest: 885/monthNew cash flow, down to $427/monthNew COC RETURN on 45k left in the deal: 11.8%Anything I’m missing?

On each 20% down payment, I’ve been making over 100% ROI when you factor in monthly cash flow, principal pay down and appreciation.

Not what can you do to spite or to stick to them out of principal —- what can you do to better your position now?

@Ivan Souvorov There is no “deduction” on his end, or tax liability on your end, for the “return of principal”....only the interest paid is deductible for him and taxable for you. 

He built the plaza in the 70’s and had no debt on it so he was able to do this easily.I’m not a tax expert, but in this scenario he only had to pay capital gains in the first year on the down payment portion and then in subsequent years he pays cap gains on the principal portion of payments he collects.

Your rental income will need to cover the cost of your loan (Principal and Interest) each month with insurances, taxes, and whatever recurring expenses you decide to work in. 

Bi weekly payment plans are really marketing trick to get you make a couple extra payments per year and pay down principal faster.  

Looking at my amortization schedule for this property, this is the breakdown:Principal: $160,000Interest: $72,696.33As you can see, I will pay ALMOST 50% of the principal over the term of the loan.

For example, when it comes to CapEx (like you mentioned), you can focus what's going on within your 4 walls because the HOA budgets for the roof, siding, plumbing, etc because it's all common among the other condos.As you likely know, all that matters is that your PITI (principal, interest, taxes, insurance) are covered by your collected rents. 

The rental income was about $3,500/mo, which totally covered our Principal Interest Taxes Insurance (PITI).