Hello all,I've run numbers on what I think are fairly conservative possibilities regarding a property and the question comes down to this.My CCR is almost 1.5% higher even after taking into account monthly PMI costs if I go with an 85% LTV vs an 80% conforming one.The obvious tradeoff is lower nominal cashflows esp because of a higher P&I cost, and lower equity, with more 'dead' cashflow going to PMI.

You're going to get hit with a bunch of emails from the BP guys that are full of great articles, posts, books, and other resources.

If you don't have a whole bunch of properties, you can manage yourself, at least until you network with other investors who can point you in the direction of a reputable PM.

I am fairly new to the forum, and havent used it much, i will do that Steve.

I have spent my fair share of time pulling files or paying someone to pull files for me at the courthouse.

They think we are a bunch of low balling fools that waist everyone's time.I would suggest talking to some local investors and find out who the investor freindly agents are and seek them out instead of going for a particular franchise.

@Will Barnard That's fair and I agree that the topic is about Rich Dad Poor Dad books and in that context what you say makes sense.

@Dustin HopeI had written a fairly lengthy response on the previous thread, but by the time I hit send, the thread had been zapped and my response along with it.Few points that I remember.

I have to admit that I'm very confused on how to buy at retail, get an institutional loan, rent it for fair market value and cover the mortgage, insurance and property taxes.

Another long time BP lurker here, finally getting around to introducing myself.My name is Geoff and I live in a fairly small and, in my opinion, unique community.