I copied this from a search on real estate ROE:Return on Equity (ROE) ratio calculates the amount of return generated in a particular year on the total amount of equity invested (or trapped) in a property.The amount invested (or denominator) is calculated as the initial investment (down payment) plus the entire increase in net property’s appreciation and the entire decrease in outstanding loan balance incurred prior to the year the ratio is being calculated.Cash-on-Cash Return is a similar calculation, but since the two draw backs of the traditional Cash-on-Cash Return are that property appreciation and principal debt payments are not factored into the formula, Return on Equity adds these two components to the traditional Cash-on-Cash Return calculation.A property’s net equity increase is calculated by determining what the “Net Sale Proceeds after Taxes” would be at the beginning of a year, and then again at the end of the year.

The only thing the seller listed in the non-disclosure was that there may be lead-based paint in the home.

The houses are cash flow generative so I would be able to pay down a higher than normal principal % every year. 

The building for sale is exactly like mine so I’m familiar with many of the standard cost (insurance, taxes, hoa, general repair cost).The seller list in his remarks that it has a 9.2% cap a couple different times.First off, the auto generated cap rate from the MLS doesn’t even list that, it lists 7.64 based off the numbers entered into the listing.As far as the numbers entered:The income ($33,060) minus expenses ($8,965) does not even equal the posted $21,000 NOI.

Multi units are by far the best investment to grow quickly and generate the maximum cash flow.

I think I would be hard pressed to generate cash flow with buy and hold, within my current financial limits.

Also tired of spinning my wheels with farming neighborhoods.I do have a question...is anyone working with any lawyers (or that has in the past) that specializes in probate law that receive any leads? 

Someone that is pretty aggressive and "go go go", just because that is how my personality tends to be so we would work better together.Any leads would be very greatly appreciated!!!

This leads me to believe the mortgage is the better option.

I too use Cozy, but haven’t gotten many leads from their cross-promoting sites.