The 4.05% all-in interest rate includes a 3.45% note rate plus a Mortgage Insurance Premium of 0.60%.

You may be able to charge a premium for rent since you are leasing the properties out.

We'll be rehabbing both units and leasing them (at a premium since next to the pool), and moving the office into the free standing building once renovated.  

(Codes, egress, bricks being difficult to match, permits, the whole nine)On a more helpful note, have you considered building a kitchen island if counter space is at a premium?

There is a reason for the premium on Denver/Boulder real estate.

Your home owners insurance will change to landlord insurance, which may reduce your premium cost.  

I agree with you on putting a premium on partnering.

If you add 5% appreciation, and 5-10% premium, and make it for 18 months, with say $10k down, Youll make way more in the long run, doing that will get you at least $25k more for house(if its over$100k) within an 18 month agreement.

You can google to get some more info, but basically it's a thicker and more premium vinyl that comes in both "wood-look" or more artificial types.

The good thing about Bradford is that it still has a healthy amount of multi fam's, as well as demanding a bit of a rental premium, and I feel that I would be able to focus almost exclusively in Bradford for purchases for a very long time.Let me know if there's something you'd want me to elaborate further on with regards to picking an area.As far as Worcester area, I used to live there when I first graduated college, 3-4 years ago.