I don't expect this to be a big money saver for me but some might use it for the effect and that decreases my cost just a bit.  

I know the occupancy rates in Cleveland are high, does the decreasing population concern either of you?

If you work with the right team in the right market, the turnkey model decreases risk tremendously than if you were to go at it alone as well.

I am a new Realtor with Coldwell Banker Tennessee Valley Realty in Muscle Shoals Alabama.

Also it would decrease my global debt ratio a lot when banks see that having increase of additional monthly payments of $900 after the refinance which I know the banks won't like and will be harder to use to make purchases. 

For instance see the article from the Dallas Morning News  (www.dallasnews.com/business/residential-real-estate/20160204-where-home-prices-are-rising-the-fastest-in-d-fw.ece) noting the area on the map that had decreasing prices. 

In an up market it will be more than a flat or decreasing market. 

Again in the above case the optimal down payment to maximize the cash flow was $0.We adjust this percentage up or down based on the effect it has on increasing or decreasing the Cash flow output to a level equal to self Financed cash flow or greater.

The relationship between changes in employment and changes in real estate prices becomes more obvious when we look at percent change in employment, and the rate of change (second derivative, but don't get bogged down in the terminology..)This is interesting because:1) The relationship appears meaningful2) You can see a deceleration in employment gains (lower growth rate) while real estate prices are still increasing (at a decreasing rate).

That being said it doesn't work if there aren't renters in the property or rents decrease substantially so I'm nervous to invest in a market at the top which is why I was looking more at condos as they appear to be lagging behind that market.