At that time, there were public records showing missed payments and multiple distressed properties, not to mention the overall struggles of the student housing market.Even the underlying investment showed major red flags in the PPM which she never disclosed or mentioned to me.

First time buyer loan with 11% down.

If you don't have the zoning already I wouldn't waste my time. 

I'm totally with you on using real estate to give yourself the freedom to travel :) We love Birmingham as a market - we analyze thousands of on-market properties every day for investors around the country (also in the pursuit of giving time back!)

I'm finding it hard to believe that Xero doesn't have the ability to do this will all their custom reports stuff.In Xero I can't figure out how to get a view in a report how much the principal has paid down over the selected time period. 

It's great to be prepared and have your duck in a row but we don't even start discussing eviction until they are at least a month late or behind by 1.5 months of rent. 25% of the time tenants are going to be late and about 10% are going to be late consistently.

Not every time you want to buy a deal will there be one. 

If you do that once it's a problem but six times and perhaps more you probably shouldn't be in this business. 

Thank you for your time. 

As for not feeling like it's the right time, I would urge you to focus more on the goals than your feelings.