These properties appeal to students and low-income renters, especially if traditional housing is limited.

When choosing a location for your first rental, it’s great that you’re considering factors like crime rate, population growth, employment rate, and price-to-rent ratio—those are all key metrics.

A personal liability policy "MAY" extend to one or two rentals but if you are planning on building a portfolio consider the commercial umbrella.Another thing to consider is that the courts frown on carry high personal liability but low business liability when trying to hide behind the vail.

. - low vacancy.  

I know this seems low, but the way I see it, this is how much the buyer would potentially walk away with if they posted it on the market and minus all the fees and concessions so I am getting them to that number with none of the hassle and removing the issue of a looming foreclosure.

Down payment of $13K including reserves sounds pretty low to me . ( Based on Maryland )

They keep rent low, give gifts and homemade cookies for Christmas, make upgrades whenever the tenant requests,  accept all the late rent excuses, etc.The truth is, your tenant is not your friend.

Depending on your credit score in the US and credit trade line history, you could put as low as 25% down.

I can though pick out a disgruntled low level Employee though or a Shill/Troll. 

Most banks I work with require anyone with over 20% ownership to guarantee the debt but have seen as low as 10%.