<prompt> Human: I read often about mortgage brokers advertising mortgages with zero money down. Their service is free when buying residential property and they charge between 1 and 2 for commercial loans. So what is really stopping me or anyone really, to hire a mortgage broker, and buy a million dollar 20 unit apartment building? The mortgage could be paid off in 10 to 15 years. What am i missing?Assistant: The taxes and repair costs. Got a spare 100,000 or so to pay the property taxes or a new roof? Human: Million dollar mortgage, 15 year term, 5 interest. Monthly payment of under 8k, rental income around 13k. Enough for taxes and to build emergency fund for repairs.  <response>: What happens if the repairs come before the emergency fund is built? What happens if some tenants stop paying andor trash their units? Do you have any cash available? 