Here is some month end numbers after I switched PMs:Rental Income: $6743Owner held security deposits: $2300Total income: $9043Expenses: $1846.44Net income: $7225.31**in a category he calls "other items : $2300 security deposits, $250 prepaid rents, -$4630 owner payout, added together: -1180Net income: $7225.31Other items: -$1180Cash flow: $6045now here comes another fun entry:he takes Cash flow ($6045) , subtracts out the security deposits, again to arrive at $2845, which he labels "Actual cash flow" (what?)

Many people lost their down payments and in some cases had prepaid for the their entire stays. 

I’ve newly joined our family business in developing commercial buildings and would appreciate your advice if the following potential project is considered as a strong long-term hold.Project Summary:40-year ground leaseInitial investment: $USD 930,000 (which includes the 10 years of prepaid land rent and all other costs  such as permits, contracts, engineering, geotechnical studies, etc.)Revenue & Occupancy:Annual rental revenue (Year 1): the equivalent of $USD145,000 (at 100% occupancy)7% shop rent increase every 5 yearsOperating Expenses:Recurrent yearly expenses total USD$20,000, covering: Security, maintenance, generator upkeep, insurance, taxes, repairs, and contingenciesLand rent restarts in Year 11 with a 10% increase every 10 yearsFinancing:With loan (USD$550,000 at 7%, over 6 years) → Break-even in Year 12After breakeven, the project produces pure cash flow for 28–32 years.

I’m developing a commercial building in a country in West Africa, and would love your insights on its profitability and financing approach.Project Summary:- 950 sqm corner plot under a 40-year ground lease- G+1 commercial building with 36 shops, a prayer room, and rooftop ad panels- Located in the capital's market zone — very high foot traffic- Initial investment: the equivalent of $USD 930,000 in local currency which includes the 10 years of prepaid land rentRevenue & Occupancy:- Annual rental revenue (Year 1): the equivalent of $USD145,000 in local currency- 7% shop rent increase every 5 years- The annual revenue assumes 100% occupancy, which is typically reached within 1–2 years in this area due to high demand and visibilityOperating Expenses:- Recurrent yearly expenses total USD$20,000, covering: Security, maintenance, generator upkeep, insurance, taxes, repairs, and contingencies- Land rent restarts in Year 11 with a 10% increase every 10 yearsFinancing Scenarios:- With loan (USD$550,000 at 7%, over 6 years)   → Break-even in Year 12- All-cash (no loan)   → Break-even in Year 8After breakeven, the project produces pure cash flow for 28–32 years. 

You can then ask the seller to pay a 2-6% seller credit towards your closing costs, escrows, and prepaids to further reduce your cash.

Pre-paid card to be purchased with your credit card and then buy a money order- seems burdensome- not sure if totally doable.If anyone has thought of strategic ways and would share, TIA.Anna  In most cases, your servicer will not accept payments via credit card.

Everything else is Prepaid items, which most lenders will collect at closing. 

It only really makes sense if you’re chasing a big sign-up bonus or some massive rewards that outweigh the fee.The prepaid card > money order route is a hustle—and a risky one.

First month's rent and deposit to be pre-paid at XXX Bank in cash or cashier's check in amount of $2890.00 as follows: Feb 2025 rent @$1295.00, refundable deposit @$12950.00, pet deposit @$300.00.

You should anticipate the following fees: Loan Fees: Appraisal FeeLoan Origination FeeUnderwriting Fee Processing Fee Document Prepration Fee Credit Report Fee Closing Fees: Title Insurance Fee Attorney Fees Notary Fees Escrow Fees Wiring Fees Maps/Special Report Fees Prepaid Items: Usually the insurance premium is paid at closing Prepaid Taxes and Insurance for escrow account (If taxes and insurance are impounded) Interest (depending on the day you close) I would suggest getting an official Loan Estimate from your lender.