Cash Flow Analysis Based On What Level of Financing?

[Sean Pincus]

I have searched a bit on the forums and might have overlooked it, but I would like some help. I believe this to be a simple question...

When looking at what your property will cash flow, how does everyone determine the basis of their principal mortgage payment?

For example:

1. 100% Financing?

2. 75% Financing?

That can really change a deal analysis and the cash per door. A deal might work if financed at 75% but might not work out when 100% financed.

[Deborah Burian]

I use the financing I'm going to get... In our case, 20% down, 15 yr amortization, repair costs borrowed as part of 80/20 note. Used to be 85% LTV but times change. We never go over 15 yrs because ultimately we want to be debt free.