You're sunk getting a good education unless you can pay for it, unscoring the benefits available to those that have over those who do not......class!

Here is what the following charts show as our current situation.50% of households now received at least one federal check monthly.Nearly half pays zero income tax (yes, I'm aware they pay other taxes but so does the other half already).50 years ago the annual federal transfers was equal to 24 billion in today's dollars – in 2010 that number had risen to $2.2 trillion in transfer of money, goods, and services, which was nearly a 100 fold increase AFTER adjusting for inflation!

One lowball transaction will not affect the neighborhood much, appraisers are pretty used to seeing them pop up and can adjust for them.

Yes I have seen section 8 be in a constant flux of change.If the tenants income increases then section 8 adjusts the voucher amount.Also here you can list in the lease that the tenant pays a certain amount of utilities and that is fine.Some section 8 areas they will pay 800 for a 2 bed but then all of a sudden readjust to start only paying 700 which is not market value.These section 8 tenants never make up the difference from what I have seen.So you accept the lower rent or evict them and get a regular tenant for 1,200 more a year in cash flow.I don't know with the election and many government programs in flux how stable section 8 is currently.Might be a bad decision to base many of your renters off of that income stream.

Tim-The number one question to ask this doctor is "what financial benefits do you want from your investment property?"

Most all the of the units have long time renters; but its still an adjustment.

Define the annual returns you want and the degree of risk you are willing to take on.After many avenues of research if the return you want has too much risk for you then you need to adjust your returns expectations or increase your risk acceptance with your money.If the dynamic is specific to your area where you live you can look outside of that area (other cities,counties,states) to find properties or investment streams that match what you want.

Yes the agreements are standard "boiler plate" in fact in some states they are made by adjusting a listing agreement.

I feel like I am approaching real estate different from an investor who relies solely on rental cash flow.I am okay giving up some cash flow because I am more interested in mortgage pay-down/tax benefits/appreciation.Am I mentally approaching this wrong?

For car loans, you'll have a lender's blue book with a stated value for collateral, that value may be adjusted slightly due to the condition and the inspection by the lender.