I would expect the one in his personal name shows on his credit report as a mortgage and the lender will factor it in his DTI.

The issue of the exposed plumbing on the wall took about 3 weeks to finish from start. 

It’s interesting how those factors shape the investment landscape in Texas.

I think climate change is actually less of a factor than employment availability, cost of living and where people have personal ties. 

Don't forget to factor in an additional parking space for Brampton, and furnace dampers (most municipalities won't require either of these so it's I'd say mostly a Brampton specific thing).I think one reason rents are/were so high is the amount of students.

I would always factor in PM even if you plan to manage yourself.You can still ask for a copy of the m2m lease to verify rental amount and what might be covered in that.

Plus, democracy has a way of showing its warts, whereas dictators jail and kill the people who try to expose them, which makes them fester more. 

I guess that's kind of my point, I could easily see loosing 10-15% of my profitability using a management company, so it makes the DST fees more palatable when I factor in how much more time I would get back from passive investing vs. vetting/managing a management company and possibly still being active at times.  

Is prohibitive zoning intentional as far as economics or more so other factors? 

A factor I am frequently discussing with clients is the nature of our current market shifts in Texas.