Thereafter, use that anxiety that Tom mentioned to get the wholesaler to repeat the mantra up-line.  

If not, and you find that its actually anxiety-producing to be handling it all on your own, driving back and forth, dealing with tenants, then you know that the 8-10% sacrifice is worth it to you in peace of mind and personal freedom. 

An “annual valuation period” is an annually recurring period of not more than 90 days that begins no later than the anniversary of an entity’s initial valuation date.

This will also flag properties that have recurring structural problems/high maintenance costs. 4) Verify the market rents in the area every way you can. 

Who struggles with depression and anxiety but has been able to be a successful real estate investor?

There is a bit of anxiety as I feel I have gotten pretty good at the SFR side of things. 

✓Verification of Seasonal IncomeVerify that the borrower has worked in the same job (or the same line of seasonal work) for the past two years.Confirm with the borrower’s employer that there is a reasonable expectation that the borrower will be rehired for the next season.For seasonal unemployment compensation, verify that it is appropriately documented, clearly associated with seasonal layoffs, expected to recur, and reported on the borrower’s signed federal income tax returns.

If I have to replace the toilet every 4-5 years, I'm looking at an $800+ recurring expense, which will really hinder future returns for this property.  

If that same person wants a rooster for their mild anxiety, that's not a reasonable accomadation. http://hrc.vermont.gov/sites/hrc/files/publication...Sometimes a person can have a mental illness that does not rise to the level of disability.

Something that breaks down all of the expected recurring expenses by cycle...