He's just saying that counting on appreciation and cash flow doesn't always work out like you'd hoped but that principal pay down always results in equity except on the short-term in a depressed market where property values are dropping.And this is why Alina asked you what your goals are.

Depends on which one offers the better rate and if you are in a buy and hold position or a short term investment.If you bundle them all together into a single note then make sure you have an option in the note to sell off individual properties from the bundle and roll a portion of the proceeds of the sale to pay of an equivalent portion of the note's principal.

My question is, in the holding cost breakdown, does the loan payment need to include both the Principal and interest?

I’d like to hear from those 40+ years of age who’ve paid down principal fast vs those who used leverage and whether they’re happy they chose that route or they regret it.

For a real estate BROKER to actually broker a deal, he would have to represent only himself, and not be an agent of the principal.

After 40 years in real estate, in which I have been a PRINCIPAL in over 500 transactions (400 loans) and a broker in over 1,000, I can tell you that even with attorneys 50 page documents, legal issues are a BIG problem.First, usury laws are not as simple as reading one or two sections of state codes.

Nearly all states have laws that also require it.It is very important to note, your e&o insurance does not cover you, or any companies you have an ownership stake in when you are a principal to the transaction.

Also support and signed the petition.Isn't part of the zoning change to look at not having the requirement of utilizing the plumbing of the principal home?

This means you have about $170K of equity in that property (very simplified, not considering 4 years of principal repayment). 

We are now about $270K in Principal, and believe the house could be sold for $350-$360K.