I've found this mortgage calculator breaks down all the components really clearly: https://ultra-calculator.com/calculator/mortgage-payment.

It is disheartening to witness a mentorship program that boasts substantial financial success, with students allegedly earning substantial monthly incomes, yet fails to ensure that their own employees receive even the minimum wage they are entitled to.

If a town boasts over a hundred thousand residents, you're on the right track.

With your cash flow and capital ready, one approach is to look slightly outside the ultra-competitive core markets where you can still find properties that cashflow well.

The loan amortization bit shows exactly when I'll hit 75% LTV for refinancing. https://ultra-calculator.com/calculator/mortgage-payment 

Banks want ultra-conservative underwriting, which makes bridge and private capital a big part of the conversation.Down Payment: For many investors, especially in today’s higher-rate environment, finding the extra equity piece is harder than sourcing the deal itself.

According to his LinkedIn profile, he is also the architect of a Michigan based Covid Relief firm ( Link ), that boasts of securing over $300 million for its clients.

Full-Appraisal Loan (75% LTV) – When Leverage WinsExample:You’re buying a stabilized rental with plenty of time before closing—no bidding war, no motivated seller.Purchase Price: $200KLoan at 75% LTV = $150K (you bring $50K cash)Appraisal risk is low because comps are solid, and you want to keep more cash for the next deal.This works best when:You want to maximize leverage and recycle cash quickly.Timing isn’t as critical as long-term financing terms.My Opinion:Speed wins when the deal is time-sensitive or ultra-competitive.Leverage wins when the market is stable, the appraisal risk is low, and you want to stretch your capital further.

Avoid the ultra-cheap off-brands — the locking mechanisms tend to break.

According to a Redfin report, almost half of sellers are offering concessions, like covering their buyer’s closing costs or dropping their asking price to get their house sold.That’s a clear sign this isn’t the same ultra-competitive market we saw a few years ago.