Net Rents per Month at $125/unit?

[Tyler Williams]

I'm finding most loans on small multi-families require 30% down, based on my rule of a net income (after debt service and expenses including vacancy and management) of $125/unit/month, 30% down can skew this compared to the 20% down I used on SF properties.

So I'm basing my small multi #'s on a 20% down payment even though I will likely need 30% down to keep my cap rate and ROI consistent.

(properties in Salt Lake County)

Thoughts?