Buy and holds are easy and popular in this area, especially if you know what to look for.

I will say this, in the first pic my eyes went right to the air vent in the upper right of the pic because there was nothing else to look at.

I have a rental in Philly (Point Breeze area) that is not renting.

Expense ratio, as others have stated, often ends up evening out these fluctuations in each expense and can often times be a more accurate predictor over many data points.

And will you be utilizing property management firms to help out? 

Live in 1 unit, rent the other 3.

Otherwise, the tenant will make excuse after excuse to buy more time as they fall further and further behind.To find an attorney, suggest you visit your local court and lookup the landlord-tenant docket to ID attorneys with the most cases.

However, after participating in the City's lead water replacement program, I was informed that I had been underbilled.

Quote from @Ken Almira: @Jaycee GreeneYeah, the more I research, the more I realize that $10K won’t be enough.

I would also find it hard to want to sell a property that has an estimated $155k in equity this early on.