We can refinance if we need to buy a big ticket item (wedding, college). 

We've owned it for several years now and know that our main market is groups of college students.

I think current investors need to learn from those situations and get in front of it.. not take such hard stances that you create animosity with your customers / tenants etc. 

There was a realization that many people that went out of business 12 years ago were the custom builders and high end flippers and we didn't want to be sitting in that boat.

a few B and C Areas around Columbia are: Monticello, East Columbia, Lykesland, Seminary Ridge, Keenan Terrace, Memorial Stadium, Rosewood, and Columbia College

It's a college town, and it's well known that you need to start looking for an apartment 6 months ahead of time. 

I am currently a first year law student at the Sandra Day O'Connor College of Law in Arizona.

[RANT] My tentants (1 college student + 2 young working professionals) were tired of waiting for my plumber to fix a sewage smell - it took a series of months to complete root cause analysis, so they took matters into their own hands.

It seems that your thesis hinges upon customers pulling their deposits out of banking institutions.

I think your best bet is to customize as much as you can with the info you have.