I'm just not quite ready to buy so hoping it lasts.  

We always do our deal analysis so at 65% we cover all expenses plus P/I so you should do well.   

I haven't looked into it because I never plan on buying there but thats what he said was enacted in the last year. 

While this isn't a hard and fast rule, more often then not, these are the guys that can't manage their schedules well, and will be gung-ho on your job for a couple weeks, then be flaking out as they picked up too much work and are trying to keep too many homeowners happy.And lastly, the more detail you have the better the bid will be with few change orders.  

True, your last SB was 1996, not 1995.

Would love to hear your take, especially with the way trerms have evolved in the last few years.

- Lastly I would also consider recommendations for a company who offers HELOCS (NOT cash out refi) for rental properties.

It's winter, hard to find tenants. the last thing we want is bad tenants who don't pay, though, so while it is listed a bit lower than market it is not a screaming bargain.

Has cash flowed between $50k and $56k the last 3 years with upward trend.  

Unless its changed since Ive looked last year Town of Catskill doesn't have restrictions.