回复：I remember JY101 has a case without any money down

that's almost the same as i did, except the last step.

JY101 rented out for 600, he has to pay his mortage, say 150 (based on 25k sold price), then he profits 450 per month, minus the tax, hoa, insurance, maintenance.

What i would do is to sell it insead of rent out. I finance the buyer and get a monthly payment of 530 (based on 80k), which is less than jy101's rent 600, so I profit 380 per month.

so every month, jy will earn more money, and also owns the property forever. But I, not only earn less per month, but also lose my property in 30 years.

so that's the reason he's the landlord tycoon, while I am just a home provider for the people cannot afford ;)