Underwriting tips I wish I knew earlierA few simple things that’ve saved me headaches:Run rent comps for each unit separately (don’t just double a single-family rent)Budget for maintenance and vacancy, even if the place looks greatAsk about big-ticket items early (roof, HVAC, plumbing, sewer line)Quick reality check I like to use:Take your total monthly rent and multiply by about 0.75–0.8.

This stuff is correct, but what you should be doing is take the sales price and multiplying that by the tax rate in the area (example, sales price $800,000 and tax rate TODAY is 1.5% you will be paying roughly $12,000 a year in taxes).Fourth, you need to also has a lender that knows what is going on and gives you the loan breakdown correctly (ask for a loan estimate (LE) from them prior to going into a deal with them).

That’s exactly what tax planning is for, to take all those variables into account so you can know exactly how much you can save.For a $1M STR, you could assume 20–25% cost segregation, 15–25% land allocation based on county assessor data, and apply the current bonus depreciation percentage to the depreciable basis, then multiply by the high-earning spouse’s marginal tax rate.

Because with investment real estate you: (a) get to multiply the earning power of your investment capitol (b) enjoy DOUBLE compounding as you enjoy the compounding appreciation of the asset AND the compounding appreciation of the rents during your hold. 

And when talking a daisy-chain of extreme what-if's, with each layer to that what-if you multiply the improbability of it ever happening. 

For estimating payments, a simple interest-only calculator works by multiplying the drawn balance by the rate and divide by 12. 

With no leverage, there is no leverage multiplier. https://fred.stlouisfed.org/series/ASPUS6% from cash flow + 3.3% + 3.8 is 13.1% which is less than recent history of the S&P and less than half what I expect from RE investing.RE is a lot of work.

Thus, because I hired Latchel, the amount of work I had to do for a relatively straightforward task was multiplied--the exact opposite result Latchel promised.

The same basic principle applies in situations requiring a gun only multiplied 10X: if you draw your gun you've already lost and if you're in a shootout you should expect to be shot.To address the actual question though "What is best, concealed carry, open carry or no carry?"

You multiply it by 110%.