I needed $35,000 for a new heating system so the bank gave me $28,000 (80%) in a business loan for 60 months which has no prepayment penalty.

If you have zero vacancies, zero tenant damage, make sure utilities (especially heat) stay on every winter even if the tenant doesn’t pay.  

What is your roof goes, a heating unit.... you're credit card debt could build up quick as a result of this putting yourself in a bad situation.

Only tankless water heaters, extra insulation, heating/cooling, etc....

And if you do not think you will get caught, a lot of nosey neighbors will call you out on it (we did not rent a basement but we had built a shed as an outdoor dog house that was heated and air conditioned and someone called about that on us...).

There will always be some uncontrollable variables because you’re dealing with both the human element with renters and houses are basically living creatures themselves and it’s not always possible to predict when big expenses will arise.

Updates of heating, adding cooling, and electrical.

None of the leases matched, the properties look like hey never got repaired , no heat , pipes frozen , 2,5ft sewer in the basement. 1/2 in gap between front door and door jam.

We have also completed some exciting improvements including retyring a boiler for heat/cool ductless mini-splits and 9 units being electrically updates.

That means that all neighborhoods have some element of "D class", so even if you make your property "A class", it will be held back in appreciation.