B.G, we are talking investing though (well I am...) and using the past 25 years as a base line you get nearly a break even scenario HOWEVER you need to take into account the repayment expense is largely bourne by the tennant, so all up you actually do quite nicely in the end for what is really only a initial $30k odd investment no?
Investment: $30k deposit Expense: Assuming cash flow neutral-tenant pays R.O.I: Cap gain = $469k 1463%