A 1% rent-to-value ratio seems like a pipe dream as properties are operating at half a percent or worse, mirroring markets like Hawaii and California.

High search volumes for terms like "luxury apartments Syracuse NY" and "new apartments Syracuse NY" mirror the interest in upscale living spaces, particularly evident in this zip code.

Two, a key to asking questions is to ask a mirror question.

You really need to be honest with yourself and if you think 3 months of non payment will solve the problem, look in the mirror on why you got in trouble.

Marble countertops, tile floor, touch screen bathroom mirror, etc etc. 

@Chris LammAre they really doing as much as they say. 90% of it is smoke and mirrors

If he was able to do that, times in concern to covid are getting better, with that I can only make an educated guess that if he can build 22 in that amount of time , then building two mirrored homes should take at most 1 year to 1 year 2 months....He says he can do it in 10 months, he knows what we need to order ahead of time due to shortages and supply chain issues and thats the plan....Anything and everything that can hold us up will be ordered ahead of time with several options depending on what comes to pass.

As the bad times become a distant memory in the rear view mirror, new investors are more willing to assume, debt, leverage, and smaller margins.  

Because I know at heart of it you wake every morning, look in the mirror, and think if you lie enough maybe you won't be disgusted by who you see looking back at you.... 

Gross income is easier to establish and this mirrors how lenders qualify buyers for mortgages.