I really see Columbus Ohio as an extremely safe bet for the next 10-20 years.

You as the landlord will still need to have due diligence on who you rent to and you need to be fair and not treat that property any different because of the area meaning - keep it safe (livable), updated, and be just as available to the tenants needs as you would be to an A class area.

I just don't know if I will be happy or feel safe living in some of the homes/neighborhoods that I would be able to afford paying cash for.I've heard opinions for everything from 10 year, 15 year, and the 30 year mortgage options.

Ultimately he is responsible for his own safety so long as you are providing a safe dwelling; however, if he is endangering others you have a couple remedies as I see it.

Save your cash, learn the skill and techniques and learn you market.

See, when you put someones back against the wall with T&M, you're forcing them to be sure they are "safe" in that material order because they know efforts to be accurate leave a good chance of being a bit short on this n that, and either you not reimbursing, or giving em hell on why there is additional "and then" items. 

Someone could purchase at 600k, make a very safe annual 6% ROI (and escalator above that every year) plus have the base property appreciating at the same time for resale later. 

Yes, they fix it pretty fast but what a killer when it breaks down on a D4D session where I now have to revert back to manual techniques. 2.

Conduct regular inspections and communicate clearly about the rules and expectations.Handling this situation firmly but fairly can help maintain the integrity of your rental property and ensure a safe and healthy environment for all tenants.

As a lender, what is a safe amount of money to have saved in market where the average home price is 185K?