It’s easy to manipulate projected returns by making a few small adjustments in the underwriting and proforma.There is nothing guaranteed with any investment.A few additional comments:1. 

I generally prefer higher since I don’t plan on putting in small claims, it’s basically just for catastrophic loses and the savings in premiums over multpiple properties for multiple years should balance that out if I have ever have to use the insurance.

@Levi Perl As other have noted, most decide not to move this time of year unless they absolutely have to and that tenant pool is small.

Oregon is small enough that they will enforce once they have a law to enforce..

Since tax bills are for entire parcels (typically, though not always) then it is highly unlikely that they somehow segregated the taxes for that small portion and paid it.

Once you close and establish a relationship with them, I would notify them of a rent increase but we do small ones.

It was listed by a realtor that I previously purchased a small portfolio from and therefore had a good professional relationship.

pretty small hurdle to have a good win as a private lender just get paid as agreed.now equity participation loans those can spin the needle pretty well ..

I also know personally that you do get small savings by leveraging  daily balances. 

Denver has a lot of older properties with value-add potential—small upgrades like fresh paint, updated kitchens, or even just better landscaping can make a big difference in forcing appreciation.