I grew up ridiculously poor, virtually everyone I knew were renters, and they all had the same things in common - a series of poor life choices and ignored opportunities that kept them renters.

Please shoot me a PM if you would like to chat or just say hi.All the best,Phillip DakhnovetsGuardian Property Management & Maintenance Hi Phil,It's great to see another member on the forum from Toledo and investing in Toledo.Same here mate.I've travelled the world, lived all over the world and bought real estate all over the world.But I'm yet to find a market that offers a "better bang for your buck" than Toledo.Been investing in Toledo since 2014 in buy. fix and flips and also property management.I don't see myself investing anywhere else.Why fix it if its not broken.Downside to Toledo is low appreciation and difficulty finding motivated and competent staff.But is probably more so me being a poor people manager than the actual market itself.Wishing you much success in Holy Toledo hehe 🙏🙏🙏

Everyone starts out with zero experience.Like many others, I read "Rich Dad, Poor Dad" then saved up some money and bought a property with zero experience or understanding.

To avoid going through the same poor experience, keep reading.Even if someone gives you a referral here, do NOT make the mistake of assuming that the PMC will meet your expectations, just because they met the expectations of the referral source.In our experience, the #1 mistake owners make when selecting a Property Management Company (PMC) is ASSUMING instead of CONFIRMING.It's often a case of not doing enough research, as they don't know what they don't know!

I bet a lot of people would be attracted to the property just to stay with the "ghosts".  

It was previously managed (poorly) by Vacasa. 

Your best bet is to network at a local REIA and find a good private lender or other investors who will do a joint venture deal with you. 

AI has been around forever, how do you think sports betting lines get their spreads?

However, if they do, they are likely just 'okay' with it and would likely leverage the 10-07 market rent analysis on the appraisal to actually calculate and determine the official DSCR during Underwriting.Hope that helps, if you do have a tenant who is willing to be flexible, the 12 month is always the safest bet.

(pretty good bet things aren't going to 2% any time soon)We have wound up restructuring several notes to our benefit because the owners were really happy to have the income immediately