[MT930]

Your odds of long term success are better with more money down. No question

If you have a track record with the bank they will be more interested in the quality of your tenant / tenants, this is what I have found.

More risk of vacancy means more money down. I have seen medical offices for sale go with 20% down.

Restaurants 60% down. The banking industry is quite unsure of itself right now.

Multiple tenant buildings like strip centers are safer but again it depends on the the tenant mix. Mom & pop retailers are vaporizing quickly.

The key is making enough return to justify your risk. Right now the banks maybe your best friend in keeping you from getting in to a bad situation.

I would not consider purchasing a com property unless you can make 12- 20% after debt service. I would look a multiple unit office suites with broad tenant mixes.

Areas with big economic impacts are seeing better cap rates because the values are failing, they are also much risker.

Aways target the best properties in the best areas. Commercial fixer ups can be a bag of snakes. Don't ask how I know. I have seen many of them burn in.

I would also recommend against tying your home to anything.