Or we could just bring on another investor each year and our cash on cash return should also be around 12 - 17%.In other words, in order to cash flow in Costa Rica you will probably need to invest in more creative ways.

Could get creative to, maybe issue shares or something.  

If you want to establish a long term relationship with someone who lives eats and sleeps creative financing and loan products - I recommend getting in touch with a well-versed broker who manage the relationship and introduce you to competitive products in the market.

Speak with a local Realtor who knows the market, but also is knowledgeable about creative financing options.Good Investing...

I underestimated utilities in my early years, so I ensure those are properly captured (electricity, gas, water and trash).

Supplement this far simpler entity approach by ensuring you have appropriate types and levels of insurance, you operate your business in a manner in which your conduct is not considered an exclusion in your policy, you work with licensed and insured vendors, you execute contracts with indemnification clauses with these same vendors/ require additional insured status &  maintain appropriate licensing and permits.

Additionally, ensure that all necessary notices for filing an eviction have been posted and properly documented in your records.

That's right, only those willing to compromise.This is also why many so-called "creative financing" deals often involve low-quality properties.

Personally, I’ve been looking for ways to align creativity with the numbers, whether that’s finding undervalued properties, building relationships with local agents, or pivoting to new strategies.

We lived in the property for 2 years and rented for 2 years to tenants, so by selling now, we ensured that we could avoid capital gains taxes.