Hi BP Community, The situation is as follows.

Long term commercial debt lenders make adjustments but does not generally follow that.For high quality assets i am currently seeing about 4.8 percent for 10 year debt. 5 year fixed I am seeing about 4.5%.If a life insurance company they can go lower on rates but want minimum 35% down and more picky on the properties to lend on.Seller financing can be great BUT just remember to not way overpay for an asset just to get that.

If one overpays the state income tax, they receive a 1099-G the following year for the refund amount.

In many ways It is slowly following horrible California examples, but it’s resisted most of its real estate ideas. 

If you are strictly looking at investing, don't actually get your license. 

The mods have a trace chained to my butt and follow me every post I make to delete the inappropriate ones.

Be a good landlord, follow the lease, and your standard operating practices, and be a good person.Hope that helps!

No loans of any kind involved so activities such as the following one are definitely NOT possible for me: step 1: get a loan, step 2: buy a RE where i can be as sure as possible i will get people to rent it and pay the monthly rent fees (plus utility bill fees) matching in total at least monthly cost of loan, step 3: before fully paying off the loan, announcing (why?

It is not a given that all such communities are strictly "affordable housing".

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