Unanswered questionsin need of advice

1/ I’m new, I’ve read and highlighted the book
2/ I understand the Woolworths concept of cheaper value with a small return over volume.
3/ I accept the change of attitude to real estate, from growth to cash flow.
4/ I accept that growth may take care of itself if we take care of the cashflow. (Watch the pennies and the pounds will take care of themselves).

A/ There is no mention of mortgage insurance in your book “0-130”. Do you suggest that each deal requires a minimum of 20% deposit, wraps aside ?

B/ When interest rates doincrease, I don’t expect that the rental market will match the new shortfall to equate to the rising difference. How do you manage the diminishing return ? How does this equate to your 11 second ruling guide ?

C/ What is the opinion in using equity without cash (at current rates, with a LOC unavailable as equity may be less than 20%) in purchasing a positively funded property ?

I accept that the proof is in the making, as quoted by the ownership of 130 properties in this timely market.

However with a decline in market value, increased interest rates and unmatched rental payments diminishing the ellusive 10.45% return, do you consider that a “fire sale” may be pending in the future ?

Kind regards, Phil