Seems to be a healthy local economy with 3% unemployment to boot from looking at census data.

A tree can grow, but only if its roots are given a healthy foundation.For those of you out there that must continue to sit in desks and yield to the authoritarian ideologies of instructors, do not be disheartened.

I am confident in the healthy cash flow and I am up to taking on more debt to attain as many units as I can.

My buyer agent wants at least a pre-offer inspection, but at this price, it's not as relevant.https://www.redfin.com/MD/Capitol-Heights/5406-Bye-St-20743/home/10995968I'm always willing to give a healthy deposit, $2000 on the $100k range.

The tenant has a credit rating in the mid 800s and very healthy income, plus strong references.

5% is healthy appreciation these days, good going. 8)

Now as more of that has cleared their books and they are making new loans and are healthy again they are wanting to increase margins.How does a bank increase margins??

Orlando-Kissimmee-Sanford, FL Metro Area12.41% Change of Rents 2009-20149.48%   Change of income for renters 2009-2014looks like a healthy market Check out the rest of the countryhttp://economistsoutlook.blogs.realtor.org/files/2015/03/NAR-Renter-Research-70-Metro-Areas.pdf

I think it is best (especially with the current extremely low interest rates) to try to leverage, but have a nice cash reserve for maintenance, capital expenditures and unforeseen costs (since you are not paying cash you should have more available to you as a cash reserve).It is no fun to have to leverage to the point that if 1 tenant misses a rent payment you can't make your mortgage obligations.So my advice in a nutshell:  mortgage + healthy cash reserve.

They will overbuild the Class A, and may have already, but there is still a very healthy demand for everything below that and no inventory being added there.