Now my current household income has nearly quadrupled, and while the monstrosity that is the student loan balance eats up a significant portion of monthly earnings I am nearly at the point where each (three in total) written-off account shall be PAID IN FULL (!!!

Outside of that, however, stop the water, pull the non-salvageable stuff - usually drywall and insulation - spray down the mold with an appropriate chlorine solution, and make repairs.

My ultimate goal is to have multiple properties the generate enough cash flow to fund other properties and eventually a primary household. 

However Baltimore is the only city in the top 25 markets where the rental rate of return is over 20%Baltimore has one of the most stable economies in the United States, median household income averages $70,000 which ranks #4 in the U.S.Baltimore’s millenial population has grown 16% in the last 5 yearsBaltimore has over 1,000 miles of natural shoreline making it one of the most beautiful places to liveBaltimore gets over 2,000 hours of sunshine a year, rivalling Florida as the “sunshine state”Over 2.7 million people reside in the region making it the 20th largest metro in the countryHigh opportunity and relatively low home prices make Baltimore one of the hottest Real Estate markets in the nationHope this helps you Zaki.Yvonne Dupree

More and more towns are providing some kind of assistance with down payments, etc. based on members in household and the income thresholds to qualify go well up into the 100ks range.

Keep in mind most regional or state DPA (Down Payment Assistance) plans have income restrictions on either the applicant or the household. 

I have new tenants/roommates sign a household upkeep duties list or agree to pay $50/mo towards a cleaner, but the slackers neither do the work nor pay the $50.

If nothing else, this year has forced them to take a sober look at their household balance sheets and realistically plan their retirements. 

The current list is1 Rent price range2 Purchase price 3 Number of houses on the market4 Population Growth5 Household income and growth6 Market appreciationI feel these numbers will help me get through the large bulk of cities. 

Common standards are something like credit over 650, responsible credit history, verifiable household income 3X rent and two landlord references.