Class D risks > Class C > Class B > Class A, but how many investors even know what those risks are, let alone know how to account for them in their ROI calculations?

At it's basic level:Assumption: Asking the bank to turn the loan over to you and going through the normal underwriting process, credit, income, DTI ratio etc SubTo: Taking over the loan without telling the bank, no underwriting, no credit check, no income verificationBoth have risks, but it's not my intent to be detailed in this post.

And what if the one person you didn't check has a criminal background, has collections, and more?

For these reasons, we don't invest our emergency funds in anything that has volatility and we can't write a check against it the same day for an emergency.

Hi Perry - Check out this recent thread about forming an LLC: https://www.biggerpockets.com/forums/12/topics/1216335-is-an...

Pricing - If you cannot check your competitions price and adjust yours daily you may want pricing software (PriceLabs probably best for single listing owners/operators). 

I'd keep checking back on the OTLA website here: https://dhcd.maryland.gov/Tenant-Landlord-Affairs/Pages/defa...

Actual cost takes into account depreciation so complete destruction of a property could leave you under water in terms of the amount paid for the loss.

Definitely worth checking out.

2) Accountant - Has anyone found a decent accountant with knowledge of REI here in Portugal?