I have attached the charts and would appreciate if anyone can guide me on thisFlip Thanks a lot.

Just seems to work better math wise but honestly just splitting hairs.

In the chart above, I highlighted the Closing/Down Payment Assistance at around $28 a month for 30 years as an expense.

I live 40 miles away, so I called the owner of the biggest plumbing co in the city and he and 2 techs dropped everything to get to the property within 10 minutes of my call.I had put a garage outdoor access remote on the outside of the house.. they couldn't get in thru that because THE POWER WAS NOW OFF.Luckily i had put a coded door knob on the kitchen door that opens to the deck-- i gave them the code and they were inside instantly.The water heater was STILL SPEWING WATER full blast in a stream so strong it was hitting the second story ceiling and hitting the ELECTRICAL PANEL also located in the garage and that's what had knocked out the power .The plumbers immediately turned off the inside water main cutoffand sent me photos of the EMERGENCY SITUATION the pm so calmly let me know about by email an hour earlier.i fired the pm co that instant and got on the phone to STATE FARM (my HOMEOWNERS/rental policy dwelling ins co) all whiledriving an hour to the property.i also called the city's best WATER EMERGENCY REMEDIATION COMpany while en route.When i got there, the water was turned off ( finally)the drywall ceiling had fallen in, the light fixtures destroyed, the garage door opener plastic case was HALF FULL OF WATER and there were 1000s of mold blooms on every surface and hundreds of stacks of spiky growing black mold (looked like iron fiilings we used to play with in that game we all had as kids where u use a magnet and drag the iron filings around to put hair and a mustache on the bald guy cartoon photo) the mold spikes were 1.5" tall on the wood railings and stairs going into the house, on all of my beautiful built in wooden garage shelves--- what a mess-- like the streets of Beirut after the bombs went off.and I don't have allergies -- but i could not even STAND inside the garage because the WET MOLD MILDEW SMELL was so strong it instantly gagged me and gave me a headache and i couldn't breathe.So here we are on Jan 17 and now i know that the BEST rental dwelling policy does NOT COVER MOLD REMEDIATION AT ALL ( so far $14,000) but it does cover water damage with a $2500 deductible...

The Garage was a hair salon, and the house served as a Day Spa with massage therapy and sauna.  

I figured if I could see a chart for the last years I could have somewhat of an idea of what the worst case scenario would be.

@William Hochstedler  Yes, the length of time before the Statute of Limitations can be used is very state specific, http://www.bankrate.com/finance/credit-cards/state-statutes-of-limitations-for-old-debts-1.aspx  but the general principle is broadly accepted and a statute of limitations defense is available in every state. http://www.nolo.com/legal-encyclopedia/statute-of-limitations-state-laws-chart-29941.html  However some states do exclude mortgages. http://www.americanbar.org/groups/litigation/committees/realestate/news_analysis/news_developments_2015/state-mortgage-foreclosure-statute-of-limitations.html  Here is a quote from the above link to the American bar association website regarding using the various state Statutes of Limitations in regard to mortgage liens.As a result, it is not uncommon today for a mortgage to have been in default for five years, six years, or even longer before a foreclosure is finally commenced or reactivated.

I'm on my ipad now and it won't let me paste the chart I created in excel, but the rent has gone from about $720 to $860 over the past 3 years which would be about 3.9%.

I tried to find a mapping of cap rates over time, and found this one.https://www.reis.com/cre-news-and-resources/q2-201...If these held true for a $1M property purchased at the that held NOI at a constant level over the holding period, the property would have increased in value by 14% by the end of the 5 year period on the chart.  

Simple price/qty sold chart will show you the market potential.