When I first started selling real estate on Hilton Head Island in 1986, I was trained to help customers in many ways. Besides presenting  features, advantages, and benefits (FABS) of different locations I also was taught how to create SAMPLE cash flow analysis sheets. In other words, if someone wanted to buy a villa for $100,000 they, in advance, would like to know all associated costs and how much would be required for them to put down for a bank loan. Typically banks require 20% down with an 80% loan loan to value for closing. Read the rest of this entry