I was bidding on one here in Portland were we could build 45 homes.. and it had to be a life estate but we lock in todays price.. and of course we actually have appreciation in our market I know that can be a foreign concept in other markets.. and it depends on how much liquidity you have and what your balance sheet looks like..

@Natalie Hahn - That's a difficult question to answer.

New Proposed Mortgages Current LoanProposed Loan NO COSTProposed Loan $1,400 COSTProposed Loan $3,000 COSTProposed Loan $4,400 COSTLoan Balance$346,000$346,000$346,000$346,000$346,000Interest Rate4.375%4.500%4.375%4.250%4.125%P & I Payment$1,754.51$1,753.13$1,727.53$1,702.11$1,676.89Monthly Taxes and Insurance$427 w/PMI$297$297$297$297Total Monthly Payment$2,181.51$2,050.13$2,024.53$1,999.11$1,973.89Months to breakeven on costs05358

Is it difficult?

As far as calculating interest, it's not difficult to do it on a calculator but you can just go online and find dozens of sites that can do it in just 1 minute.

If your credit is low, it will be difficult to apply for any loans to use as a down payment for hard money or portfolio lending and may even drop your credit score more, bringing on new debt.

Can you tell how to balance out cash flow, appreciation and others # in the investing equation?

Hi Jacob,Traditional finance is very difficult to obtain. 

Collecting SFR is fine for cash flow, but very difficult to sell your 7 figure portfolio.

One thing for sure, everyone will agree that finding the right people/team is more difficult than finding an investment property.My criteria for buying investment property is simple: Single family home In a B+/A type of neighborhood in a ready to move in condition.