I've been able to get a healthy combination of both cashflow and appreciation from all my properties after a little TLC.

Even with the possible down payment gap, it's imperative to thoroughly review the figures to make sure the investment is still financially healthy.

Then chasing materials and actually doing the work is a time consuming venture. 

But due to 10 Tech giants , our economy is surviving and seems "healthy". 

Kenji, I'm an out of state investor living in Brooklyn and an avid Bigger Pockets consumer.

People should really pay attention to the kind of content they consume, especially the mostly negative and scary news that is oftentimes biased and ultimately leads people to not take action and miss out.

Anything which injures health, is indecent, offensive to the senses, or interferes with someone's free use of property can be a nuisance.

So this is probably not the most efficient way, as it is very time consuming, but for lighter rehabs we go on home depot website and find prices of the materials we will need.

@Christopher Tanner I would be interested in something like that from a consumer standpoint but also from a development standpoint possibly.  

For example, a 40-year-old healthy male might pay around $500 per year for a 20-year term life policy with a $500,000 death benefit, compared to $4,000-$5,000 per year for a whole life policy with the same death benefit.