There're numerous podcasts on the topics with a ton of great guests.

I think that a lot of us with experience (generously including myself in that category) would love to help out but I never know what someone wants when they say they want a mentor.

It is actually in the 'good' category. 

I know 50-60% investors fall under this category. 

The last sentence clearly states that after including the net rental income in the denominator or loss in the numerator, that the rental property mortgage payments are not also supposed to be included in the numerator as monthly obligations.

Then, there was the foreclosure crisis and the loss of numerous first-time home buyers' properties.

Ive seen it play out poorly over the years being a plumber working in numerous buildings across the state.

@Charles Kao I didn't factor in CAPEX in the cashflow for this specific property because we replaced all items that would fall under the category other than the furnace and water heater, which were brand new when we purchased the house.

You may have to negotiate your own deferred deal with the bank to weather the storm but residential rentals will be in higher demand then ever once the sun comes back out.  Commercial and office space is in real troub...

So there may be more expenses in that category depending on local requirements in all of trades like HVAC, plumbing, electric, fire protection etc. next if it was a shell you'll probably have other utilies to deal with like electric, gas, sewer and water. that all being said your probably looking to hire a architect and engineers in most areas on a building like that.