I am past the 5 year mark since living in it. 

@David Thompson Thanks for the reply, yeah I've read quite a few books on the subject by various authors, Phil Pustejovsky, Brandon Turner, Mark Ferguson etc, and spend a considerable amount of time here on Bigger Pockets as well.

You are at the 12 month mark so you have hit the occupancy seasoning required but again I would refinance to avoid the FHA 100 mile rule once you have the equity at 85% or less.

. ****, even some of the localized experts like Mark Spain/Opendoor get caught in the trap of it too.

Quote from @Mark Frattini: @Andrea M.All of the best ones are usually pretty busy however it shouldn't take that long for just a phone call response.

Cleveland is a great marking to get a cash flowing single family or multi family at an affordable price.

A great place to start when using the platform is the search button - here you can look up any keywords, topics, and areas of interest to read up on what has been discussed in the past. 

This marks the highest level of housing bond sales in over a decade.The 57% year-over-year growth in housing bond issuance has been partially facilitated by comparatively lower borrowing costs in the municipal market.

@Mark Y.

Quote from @Mark Walker: Thank you Henry, so does this mean they are 21% below street rates with 95% occupancy?