Evaluate factors like job opportunities, population growth, and economic indicators that can impact the rental market.

Charitable Contributions are not reported in the way you are indicating.  

A positive cash flow indicates the property generates more income than expenses, while a negative cash flow means the property operates at a loss.

Tenant paid with money orders and indicated she had no checking account.Tenant appealed second judgement to higher court with the assistance of state funded attorney...I cannot collect on either judgement because SSDI is not garnishable.

. # of similar projects completed in the last 2-3 years where you were on the title), and (3) liquidity.They'll obviously need to verify this info as part of underwriting, but if you know these 3 numbers off the top of your head, most lenders will be able to give you indicative terms.

Mice are  an indicator of messy tenants. 

If the walls have to be repainted, that indicates something beyond "ordinary" wear and tear. 4.

Still nothing.So here's my question(s), would it be wrong of me to call ABA and request a different advisor, or is this advisor's etiquette indicative of the entire company?  

That's also a good indicator of demand.

A quick analysis tells me that if the following assumptions are true:- You're buying a house for $140K - That generates $1250/month in rent - Assuming you're self-managing with 40% expense/vacancy/capex ratio- And getting a 10 year fully amortized loan at 5% interest If you put 20% down you'll be losing about $450/month.If you put the full $60K down, you're still losing about $100/month.If you were able to pay for the entire thing with cash, you'd only be generating about 6.4% annualized return on your investment.Unless you're in a position to lose money every month, this doesn't sound like a very good deal, and certainly not a good idea to do this with a 10 year loan.Also note that if your calculations indicated that you'd be cash flow positive on this deal, then I'm guessing that you're under-estimating your expenses, under-estimating your vacancy or ignoring capital expenses.