To aid in the discussion here are the new safe harbor reasonable steps:Fortunately, in the final release adopting Rule 506(c), the SEC adopted a non-exclusive “safe harbor” to provide some certainty that issuers are complying with the reasonable steps requirement for natural person investors.

From my Multi searches, you are probably safe budgeting $1000/yr for a 4 plex in your price range, but again, find the property, then call an insurance agent and have them run a quote for you.Maintenance- I always budget at least 5% of purchase price, because things will break, especially in the first year and will likely exceed that 5%.

And most lenders sell their loans to Fannie Mae, or want to have the option to sell them to Fannie Mae.A private money lender seems to be the best solution for this problem.Note that a government loan (must be a primary residence) would settle for a 3year waiting period (after the Deed to the home went into the bank's name..)

If they default you can have the option payment, not the down payment money (can you say federal Dodd Frank - SAFE Act?)

Our company does try to provide turn-key solutions, but also several different options to out-of-state and in-state investors.

To be statistically 'safe' from a vacancy, natural disaster or other risk profiles, you need a whole lot more in differing geographical locations.Most people don't really need that safety because they don't often face the risks they fear and if you self-mange you can control your risks in better ways.Is 20 properties the right number for you?

Always offer them some type of solution...You're the problem solver!

If you have the chance to show that you are an intelligent solution creator only then will you find success.

unless your in a position to pick up and take over the project there is no rate that is safe. but to answer your question 15 to 25% interest is common for equity.. for instance there is a company in Oregon very establish HML that pays 6% with a 30 day call.. and your the bottom of the capital stack with the least risk.. not the top of the stack with the greatest risk .. 

Generation Y’ers are using non-bank services and payment solutions like PayPal.com and Xoom.com versus using traditional bank accounts, and most expect to access their bank accounts via their mobile devices.