There is also a mix of snowbirds and part-timers from southern states who consider this home.

Of course your other debts including student loans go into the mix to come up with your total debt to income but the income needed  is a lot smaller then a lot of borrowers in your situation tend to  think.  

One tenant is behind on rent and has still not paid December rent.I’m seeing mixed things online but looks like I have to file something by the 31st?

Housing mix will change; more condos and co-ops and multi-family apartment buildings.

Albany has a mix of appreciation and cash flow opportunities, steady rental market due to state /government jobs and colleges.I would love to help you out with your investing journey.

I'm not too familiar with the markets yet but research I've done suggests that the towns of New Britain, New Haven and Hartford all have a good mix of inventory and low prices coupled with plenty of amenities, night life, cafes, etc and local colleges to bring younger people to the area year after year.

I use some mixed strategies to go on and off market, but I'm just generally curious what others are doing and finding that works for them?

.: Quote from @Shawn Mix: I'm landing here in the same boat as you @Kirstin A. - I had a similar horror story with Prime myself.

I've heard very mixed opinions so really unsure about them but definitely interested.  

I’m particularly drawn to the mix of year-round tourist demand, the beautiful beaches, and the proximity to major attractions.That said, I’d love to hear your thoughts on how the market is performing these days.