Cap rates have compressed so much on C properties that the returns are hardly justifiable. 

List Price 114,500Top unit rents for 550Bottom unit rents for 750 Down payment - 25%Interest rate is 3.1255 % maintenance 7% cap ex15% vacancy 5% property management Taxes - 125/month Monthly expenses - 1,054Cash flow 245/month 16+% 5 year annualized return Numbers are run at a 95k purchase price.

I guess it comes from my Finance and Accounting background, but NOI, Cap Rates, it's all straight forward.

Other strategies that work are renting by the room, house-hacking, and multifamily (hard to come by in Boulder and pretty expensive/low cap rate when they do come up, but more available with better rent to price ratios in other North Metro towns like Westminster).

This is something I have to talk to him about but have a feeling he does not want to cap it to a certain amount of years and in his defense saying even if I live 20 years more not only will my Stock portfolio have exponentially increased but so has the value of the house.

. -- plus a property manager --  plus taxes -- plus all the other stuff and maintenance and cap ex., etc. --  given the apparent value, cash flow seems like it's going to be pretty negative. 

@Kevin Siedlecki Using very conservative numbers (as I'm a conservative investor), cap rate will be 7.5% (10.5% if you toss in an assumed 3% inflation rate).

What my husband and I are thinking:Sell 1 condo a year (minimize cap gain) use the money to pivot into SF in secondary market.

We now have a newly built Townhome with brand new appliances and low Cap.

It is inexpensive and the cap rates are excellent!