@Mark RiderDid you reach out to the lenders listed on the following link?

There will be ups and downs and market swings based on both internal and external factors beyond our control but I expect your home will continue to outperform inflation rates.

I'm mostly just reading the stuff in these links and any additional info would be useful:https://www.cityofberkeley.info/str/https://www.cityofberkeley.info/Planning_and_Devel...https://www.cityofberkeley.info/City_Manager/Press...https://www.cityofberkeley.info/Rent_Stabilization...Thanks in advance!!  

Hi Raul, I sent BP an email from their contact us link asking to change my info.

Smaller businesses like mine are treated very differently from those in the article you linked to.

Rents are $17,700  with tenants paying their own utilities and total costs are $12,030 including the mortgage payment.(10% management $1770, 5% vacancy factor $885, maintenance $885, lawn care  $900, 10 % Cap ex $1770, Payments $5820)This leaves $5670 dollars a year in cash flow for a ridiculous 56.7% cash on cash return! 

. : I'm new to performing notes, but if this is the case, depending on the risk factors of performing notes, this may be a very good investment.

If the only way you can afford a property is when you have rental income, you can't afford it.Without looking at a specific property, they can only tell you how much you can afford without the rental income.The biggest factor is your monthly payment vs your gross income.Lenders look at two ratios: living expenses and then total debts.First ratio - Total living expenses (mortgage, property taxes, home insurance) vs monthly gross income.

If you were to find things wrong in the inspection due to these factors that would cost a lot to repair, the seller may be willing to go down on the price.

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