So I hired a company to pressure wash my apartments (8 units) in New York State and the guy fell off the roof.   

Their bank will mail a check monthly but the preference is to be fully automated and timely (not waiting for the mail and to make the deposit).

And even then, i'm not sure this calculator is factoring in the opportunity costs of not earning 10% ROI on the stock market 

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

I am an agent in FL and do a lot of wraparound transactions w/ my STR investors.

Many successful real estate investors know the secret of finding and buying off-market properties.

- Who carries the personal guarantee on the debt?

Most of us start with cheaper properties, frankly, because often it's the only option. 

My understanding is previously the norm was sellers were still “expected” to pay buyers agent commission but now that the norm could be shifting is that still part of the buyer/seller negotiation?  

I'm particularly passionate about MTRs.Outside of real estate, I enjoy church, hiking and target shooting.Excited to learn and connect with you all!