My list includes - last 2 years employment history and current employment [2 paystubs], criminal checks, eviction checks, No Pets, No smoking, tenant pays utilities, maintains landscape, no subleasing, bring own washer & dryer, 1 month security deposit and transfer of utilities before moving in, rental insurance, all occupants will be on lease, notice period of 2 months for termination, tenant references, No cosigners, no painting walls, late fee notice, any hoa fines should be paid by tenant, inspection of property at 3, 9 and 12 months.Please let me know if I am missing anything.3.

In addition to that property taxes have increased and property insurance has significantly increased.

What does Baltimore offer , it has rental inspections , highest property taxes in the state , worst schools in the state , high crime rates , higher insurance rates , longer time to evict tenants , slower appreciation .

We expect someone commenting on how great life insurance investments are  to reveal if he’s an insurance salesman, and someone who suggests buying property in Cleveland is great to reveal they’re a Cleveland based real estate broker.  

The PML is not FDIC insured.

You may be better off just paying for an umbrella insurance policy each year.

I won't bash them too hard, because once in a blue moon there are actual deals you can come across, but having a second filter/eyes on the deal can really be great insurance against buying a dud.

Unless a costly plumbing pipe upgrade is required, I will go with tankless since $18 monthly maintenance isn't that big of deal. 

"Additional Insured" on Insurance Policy to Property as CollateralHow specifically should a private lender be mentioned on the owner's insurance policy to a property used as collateral to a loan.

If managed correctly, the rental income should cover your property expenses (like mortgage, insurance, and maintenance) while still leaving you with positive cash flow.