Hey Hunter,North Dakota wind will chew up shingles all day, so your thinking on metal roofing makes sense — it’s basically a 40–50 year solution.

This biz is gonna chew you up if you try doing that.

Then taking them out to lunch and present the deal you did to them and ask them for feedback in what went wrong and if they would have done the deal or done something different with the deal.I would venture to say that right now the market is chewing up a lot of novice investors leaving room for the more savvy and experienced investors to make the money.  

Have also done 5-7 year terms.i find that if the client has to be creative with something this size then they are typically biting off more than they can chew.

Same for making a house occupied by a sixty-year old couple "lead free" to save them when they chew on the window sills.  

Another is simply cash or an index fund, neither of which chew up your time and scale arbitrarily.

And when it does move up it also hurts the borrower by likely reducing his home’s fair value if he were to sell.Let’s say a borrower wants a $600k house and is chewing on fixed vs AIO.

I'm all for goals but keeping things realistic is important as is not biting off more than one can chew.

With NOI of $400-500/mo.Thanks for taking the time to respond and provide me something to chew on.

It is really important not to bite off more than we can chew especially for those of us either later in life, without a big shovel of non-RE income or with health considerations.