And to be safe, multiply whatever you come up with by 1.25.   

I personally don't change my bids for a 750k property or a 120k property (as in, I don't use a different multiplier).

This is your cash flow multiplier.

I've also been able to negotiate price and terms for multiply clients, some purchases fairly significantly under comps (especially if they're closing out a community). 4.

For income and credit score, the main thing to keep in mind is that the tenant’s rent portion is based on their income and the voucher covers the rest, so you don’t really need to use a traditional income multiplier like “3x the rent” the way you would with market tenants.

I used gross rent multiplier, and CAP rate calculation.

Hi BP community,As investors, we all know leverage can multiply returns—but it also adds risk if not managed properly.

For example, are they taking 8% of the quarterly estimate payment I made (whether it's high or low) or the actual quarterly earnings for that quarter, or are they taking the total income for the year, dividing by 4 and then charging interest based on that average quarterly amount (multiplied by the number of days late)?

That's a 96X multiplier, seems a bit more "ridiculous" than "reasonable" to myself. 

That means costs multiply with loan count, not just loan dollars. 2,000 small loans cost far more to securitize than 400 larger ones, which is why asset managers  prefer higher minimum loan sizes.