Since I'm an agent I do have access to non-owner occupied properties so my challenge lies in determining cost-effective marketing strategies. 

When I closed on my first duplex in Harrisburg, Pennsylvania in August 2017, "the 2% Rule" was the gold standard for determining whether a property would cash flow.  

These are not typical life insurance policies.If the down payment comes from an existing asset whether it is money from money market, money from savings account, money from CDs, money from heloc, money from selling stocks, money from stock margin, gift from family, money from life insurance it does not achieve a 100% LTV with respect to determining return.  

With your current knowledge base you are not in the position to determine the "shortcomings" of any law firm or come to the conclusion they possess a " lack genuine expertise".

Then, you'd use the data on Airman or similar services to determine whether the metrics fit with your personal investment/return objectives.

This also allows for property owners to more easily write-off assets that get damaged/destroyed as the value of these assets is determined as part of the study.

I've been a long-time Ogden bull with posts like these:https://www.biggerpockets.com/forums/12/topics/882817-local-...https://www.biggerpockets.com/forums/586/topics/785294-who-h...But, like a January 2022 study determined, Ogden is overvalued. 

To determine what to offer on a rental property:Determine reasonable market rent, NOT the highest!

If you plan to build a rental portfolio, holding onto this property might be a good start.To help you decide, here are some steps:- Use the DSCRANALYZER to determine what the cash flow numbers look like.- Research the local market to understand rental demand and pricing.- Consider consulting with a real estate agent or property manager to get a better sense of the rental potential.If you're not in immediate need of the cash, renting could be a good option, especially if the numbers work out.

Research housing market trends and property values to determine if buying is a better option.