@Wayne LeeI don't know the Cincinnati market specifically, but if you're not finding anything that cash flows... you're probably analyzing it correctly. 

Everything was permitted correctly and done by the book. 

Correct.

A crash will not happen due to inventory(local-regional factors at play), but you're pricing for general correction upon the eve of the slow and doomy Q4.

I personally would wait for a correction before exchanging the money.Furthermore, if your real estate investments perform slightly more than real estate(1% to 5%), you can make up for the deferred return + penalties over a couple of years. 

So both of yall are very bullish long term, correct?  

If they continue to harass me via email (for payments I am not delinquent on) do I have any legal recourse against them and conventus. shellpoint is their agent so am I correct in believing they are responsible for the actions of shellpoint?

Let's say you want to stay conservative and only take 50% LTV, or $500,000.00, so that you don't have to sell anything in case of a market correction and there's a margin call.Step 2:  Purchase a rental property, all-cash, with that $500,000. 

Normally when you hear cap rates this high the expenses are not calculated correctly or certain expenses are omitted (no vacancy loss, no management fee, light on repairs etc). 

The latest Z Wave radios use about 9.9mw.