Filling the "learning" folders and building new Learned behavior is the basics of all human growth.

But most on here advocate searching for the good deals where you benefit from a situation... i.e. your "greed" drives you to seek larger profits.But welcome to human nature.

The environmental inspection company did not really provide a suggestion for remediation... however they did mention that it was a potential human health risk.

The words "always" or "all" are never accurate when it comes to human behavior. 

Furthermore,BiggerPockets is not responsible for any human or mechanical errors or omissions.Financial ProjectionsTotal Initial Equity:$116,000.00Gross Rent Multiplier:9.30Income-Expense Ratio (2% Rule):0.86%ARV based on Cap Rate:-50% Rule Cash Flow EstimatesTotal Monthly Income:$4,300.00x50% for Expenses:$2,150.00Monthly Payment/Interest Payment:$2,061.40Total Monthly Cashflow using 50% Rule:$88.606 Flat in Burbank, IL (copy)6148 W.79th st, Burbank, IL, Burbank, ILLINOIS` 60459Monthly Income:Monthly Expenses:Monthly Cash Flow:Pro Forma Cap Rate:$4,550.00$4,246.42$303.585.95%NOITotal Cash NeededCash on Cash ROIPurchase Cap Rate$27,349.00$98,000.003.72%5.95%Property InformationMLS Number: 09262104Purchase Price:$460,000.00Purchase Closing Costs:$5,000.00Estimated Repair Costs:$1,000.00Total Cost of Project:$466,000.00After Repair Value$460,000.00Down Payment:$92,000.00Loan Amount:$368,000.00Loan Points:$0.00Loan Fees:Amortized Over:30 yearsLoan Interest Rate:5.000%Monthly P&I:$1,975.50Rent$4,350.00Other$200.00Total$4,550.00ExpensesVacancy$227.50 (5%)Repairs$227.50 (5%)CapEx$227.50 (5%)Electricity$50.00 (1%)Water & Sewer$150.00 (3%)Garbage$170.00 (4%)Insurance$250.00 (5%)P&I$1,975.50 (43%)Property Taxes$938.42 (21%)Misc$30.00 (1%)Total$4,246.42 (93%Financial ProjectionsTotal Initial Equity:$92,000.00Gross Rent Multiplier:8.42Income-Expense Ratio (2% Rule):0.98%ARV based on Cap Rate:-50% Rule Cash Flow EstimatesTotal Monthly Income:$4,550.00x50% for Expenses:$2,275.00Monthly Payment/Interest Payment:$1,975.50Total Monthly Cashflow using 50% Rule:$299.507914 W.82nd ave,Justice ,IL 60458, Justice, ILLINOIS 60458MLS number: 08246034.6 Flat with 1/4 bedroom Basement Apt or Studio Purchase Price: $480,000.00 Purchase Closing Costs: $5,000.00 Estimated Repairs: $15,000.00 Total Project Cost: $500,000.00 After Repair Value: $500,000.00 Down Payment: $96,000.00 Loan Amount: $384,000.00 Loan Points: $0.00 Loan Fees: Amortized Over: 30 years Loan Interest Rate: 5.000% Monthly P&I: $2,061.40 Total Cash Needed By Borrower: $116,000.00 Monthly Income: $4,300.00 Monthly Expenses: $4,961.40 Monthly Cashflow: -$661.40 Pro Forma Cap Rate: 3.36% NOI: $16,800.00 Total Cash Needed: $116,000.00 Cash on Cash ROI: -6.84% Purchase Cap Rate: 3.50% Expenses Income 50% Rule Total operating expenses: $2,900.00 Mortgage expenses: $2,061.40 Vacancy: $215.00 Repairs: $215.00 CapEx: $430.00 Electricity: $40.00 Water & Sewer: $215.00 Garbage: $107.00 HOA: $267.00 Insurance: $170.00 P&I: $2,061.40 Property Taxes: $1,152.00 Misc: $89.00 Analysis Over Time Hide Assumptions 0%/year Expense Increase 0%/year Income Increase 0%/year Property Value Increase Year 1 Year 2 Year 3 Year 4 Year 10 Year 20 Year 30 Total Annual Income $51,600.00 $51,600.00 $51,600.00 $51,600.00 $51,600.00 $51,600.00 $51,600.00 Total Annual Expenses Operating Expenses Mortgage Payment $59,536.74 $34,800.00 $24,736.74 $59,536.74 $34,800.00 $24,736.74 $59,536.74 $34,800.00 $24,736.74 $59,536.74 $34,800.00 $24,736.74 $59,536.74 $34,800.00 $24,736.74 $59,536.74 $34,800.00 $24,736.74 $34,800.00 $34,800.00 — Total Annual Cashflow -$7,936.74 -$7,936.74 -$7,936.74 -$7,936.74 -$7,936.74 -$7,936.74 $16,800.00 Cash on Cash ROI -6.84% -6.84% -6.84% -6.84% -6.84% -6.84% 14.48% Property Value $500,000.00 $500,000.00 $500,000.00 $500,000.00 $500,000.00 $500,000.00 $500,000.00 Equity $121,665.40 $127,620.66 $133,880.60 $140,460.80 $187,646.47 $305,648.89 $500,000.00 Loan Balance $378,334.60 $372,379.34 $366,119.40 $359,539.20 $312,353.53 $194,351.11 — Total Profit if Sold -$2,271.34 -$4,252.82 -$5,929.62 -$7,286.16 -$7,720.93 $30,914.09 $170,634.53 Annualized Total Return -1.96% -1.85% -1.73% -1.61% -0.69% 1.19% 3.06% Monthly Income: Monthly Expenses: Monthly Cash Flow: Pro Forma Cap Rate: $4,300.00 $4,961.40 -$661.40 3.36% NOI Total Cash Needed Cash on Cash ROI Purchase Cap Rate $16,800.00 $116,000.00 -6.84% 3.50% Property Information MLS Number: 08246034 Purchase Price: $480,000.00 Purchase Closing Costs: $5,000.00 Estimated Repair Costs: $15,000.00 Total Cost of Project: $500,000.00 After Repair Value $500,000.00 Property Description 6 Flat with 1/4 bedroom Basement Apt or Studio Down Payment: $96,000.00 Loan Amount: $384,000.00 Loan Points: $0.00 Loan Fees: Amortized Over: 30 years Loan Interest Rate: 5.000% Monthly P&I: $2,061.40 Income Rent $4,100.00 Other $200.00 Total $4,300.00 Expenses Vacancy $215.00 (5%) Repairs $215.00 (5%) CapEx $430.00 (10%) Electricity $40.00 (1%) Water & Sewer $215.00 (5%) Garbage $107.00 (2%) HOA $267.00 (6%) Insurance $170.00 (4%) P&I $2,061.40 (48%) Property Taxes $1,152.00 (27%) Misc $89.00 (2%) Total $4,961.40 (115%) Buy & Hold Analysis - 03/02/17 01:58:53 PM Page 1 of 3 Calculations based on a 31-day month.

I realize that the safety of a human being trumps my mortgage payment/bottom line - but am I allowed to ask for a copy of a police report?

I have too much love for humanity to just be another one of those.

The fact that I'm not familiar with Indianapolis reminded me of my first week in Brazil trying to ask where to find McDonalds... we're all humans but I don't know if I'm hearing português or some type of midwestern dialect.

I recently signed up to a free DIY course at a local Home Depot and have participated in a couple Habitat for Humanity homes (mostly caulking and painting).Does anyone know of other methods to get experience in remodeling and rehabbing homes?

A Human Resources or Personnel Management course 7.