There must be an inflection point somewhere, so I did some spreadsheeting and indeed there is a point where the expenses and income are such that the cash on cash return is the same for all given down payments!

Hope things are going well.I feel we are at an inflection point in lending.

My life seems it’s at an inflection point.  

It's hard to get voice inflection into a post here, so any disagreement with you on this is not intended to be a "disagreeable".

Treasuries will go "no bid" and there will be a collapse of confidence in both (i) the U.S. dollar, and (ii) U.S. treasury debt instruments [bills / bonds / etc].When this financial inflection point comes, you do not want to own assets who's values are directly tied and leveraged to the yield on U.S. treasury debt instruments (specifically commercial real estate where most market participants are max leveraged).

Houses are no  longer intrinsic, and should've never been if it wasn't for the inflection point of a housing-centric recession + low rates. 

I added RE into the portfolio as a way to really stash cash; there's an inflection point of a lack of homebuilding, laws against it, a devaluing dollar, and population not necessarily growth but saturation.

Don't be discouraged, if anything you want to admire the inflection point of the discipline, conviction, and analysis you'll do.

Im always surprised at the negative comments when someone talks about the real estate cycle, especially when history tells us it is somewhat predictable.Can someone predict the exact inflection point?

I wish I had some list or workflow (granted one that can be manipulated due to differences in properties) that would include all of these possible items that need to be addressed or a better system in handling all of the different inflection points of a rehab.