If you were to purchase a property from someone who wanted to do owner financing it is safe to say that they would like to be the bank on the transaction and bring in a monthly income with a nice yield. 

Obviously bank or lender will have lower rates, but my backup plan is HML. 

(I know a lot of landlords fear retirees because they think they sit home all day and use the utilities and add to wear and tear.)I am sure retirees have a lower spending limit- so maybe you can play with it a bit- I didn't want to take a chance.

Not only does it not hit your $1500 requirement, but it could even be lower than $1095.

Is it normal to have to look at lower income areas to avoid costs like that of Colorado Springs?

You can get print, pack and shipping from companies for lower than the price of the stamp that you're talking about.

Both uses are correct, and I would argue that the best way to tell the difference would be that the investment style (noun) should perhaps be capitalized - but that would required everyone on BP to adhere to the same grammatical rules, and that's just not how forums work ;)What you're talking about would be a more DIY approach, wherein you buy a (lower-case) turnkey property and then find your own PM, not an (upper-case) Turnkey investment where one company does everything from scouting to rehab to management, all under one roof.Hope that helps!

It's an extra step, but now it's a direct transaction, not a third-party transaction.

If you notice everyone in your area is doing hardwood floors and granite countertops you may have a hard time getting market rent if you are using lower grade materials.

Maybe one option 0% down, but a higher interest rate for them and you pay them back with monthly installments, one option with 10% down with a slightly lower rate and pay them back in monthly installments, and one option with the highest rate but no monthly installments...meaning they would get their money in full when you sell.