<prompt> Human: So heres some background:I am a 26m, currently holding an engineering job in a big city that pays 80kyear.I have been employed since 2008, and have had my current job for 2 years, and feel like it is very stable.I have good credit history, reaching back about 5 years with no late payments or anything.I have 100,000 cash to my name.Heres what I want to do:Found a single floor of 4000sq ft. in a building in my city that is currently for sale. The floor currently has business offices, but I would like to turn the floor in to 5 apartment buildings, 2BR each. I believe I could rent them out for 2,350, all utilities except electricity included. Based on my knowledge of the rental market and location it is in, I believe I can get this price for the apartments. Heres the stats:The building is 900,000, with taxesHOA fees being 22,000 a month. I believe I would need another 300,000 to renovate the 4,000 sq. ft area into 5 separate apartments. I have run some rough numbers in excel, and based on keeping an 80 occupancy rate and charging 2,350 per apartment I believe after a 30 year, 4 mortgage on a 1.2 million loan, taxes, and fees I will still bring in 20,000 per year, after 30 years the mortgage payment stops and would be bringing in an extra 90,000 a year. I then ran a quick model: - Assumed taxeshoa fees went up 2.5 per year- Assumed I raise rent by 4.5 per year- Assuming I put the excess 20kyear excess 270kyear after 30 years, this excess number takes into account rent raises over 30 years into an index-fund account, and it gets 6.5 interest, I will have about 26 million after 50 years, as compared to my initial 100,000 put into an index-fund account at 6.5, which would only be 2.2 million after 50 years. Given the above circumstances, what are the chances someone like Morgan Stanely or a big bank would loan me the 1.2 million needed for this? I understand the hardest part will be getting the actual condos up and running with rent payers in them. However, once that happens my model shows Ill be 20k in the black even if I didnt have a job. Would this convince a loaner that this is a safe bet? Unfortunately I am an engineer and have 0 experience with loans, debt, etc. etc. as I have never had either of those. Such a pipe dream at this point, but I love crunching numbers and would much rather muddle in real estate than be a desk jockey my whole life. Any input is appreciated!  <response>: 20k on 1.2M? That is horrendous. 