Lending follows the market (bad things happen when lending LEADS the market), and gets conservative when things are down, liberal when things are up.But, yeah, it'll always be easier to have commercial credit extended to you with solid credit, relevant experience, and a strong down payment.

Hi @Johnny Horner, you wouldn't include the mortgage interest in your calculations because they're not relevant to you once you get your own loan.

Principle paydown is also relevant because you receive it when the property is sold or refinanced.

While NAR does a lot of tremendous things as an association representing homeowners and promoting home ownership, and it's members are, I believe, temendous as a group (so don't think I'm negative overall, this is just one aspect relevant to this discussion), the admission fee to being an agent is relatively low.

A very wise man recently told me two things that are relevent here.If you negotiate with yourself you will lose every time.AndAs an investor, if you are find yourself with multiple essentially equivalent investment possibilities, it should not matter to you which one you buy.

If I was to use the $2900 in property 1 my ratio would be ($5000+1500+4000+2900)/50000 or a ratio of 26.8%So I guess my arguement is that with higher rents the operating expense ratio becomes less relevant and mortgage rates and purchase price become more relevant.

Yard signs, potentially facebook ads, try the newspaper if that is relevant in your area.

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