@Andrew Lax I just used google and looked up California ( sf Bay Area ) and it’s said and every 40 year appreciation of 6 percent, I have no crystal ball but if history repeats itself then I may not be to far from real numbers , who knows ? 

I'd imagine this falls into the "normal wear and tear" category but I just don't know how you measure or prove it and how much tangible evidence I need to have ready showing that I've warned them repeatedly.  

If you have $15K in student loan debt and are paying it off little by little (your words)-what are the interest rates, how long will it take you to pay it off, does it affect your ability to borrow for a mortgages (or save the down payment)? 

Then rinse and repeat. 

Prioritize cash flow after expenses, vacancies, and management costs.Your numbers show potential positive cash flow, but the 7.3% interest rate affects returns.

If your goal is financial freedom, choosing the right location is the most important investment decision you will make because it affects all long-term income aspects, including:Whether rents keep pace with inflation is crucial.

I’ve also seen the massive construction going on and assumed the STR would be affected.

+Finance your cash back out and repeat.

In Colorado there's a lot in flux right now and STR legislation is changing all the time, so we have to stay on top of knowing what is potentially coming and how that will affect investors. 

Bitter cold temps can affect the performance of "electrical" based locks.