I am fairly new to it but found this to be a vertical that I believe would have great ROI.

The lower picture actually is an angle of a bay window, there is also a vertical crack on the left, paralleled to that crack in picture. 

I've heard many different versions of what they consider due diligence before they make an offer on a property and I'm confused as to what is considered responsible and appropriate.For example, on a buy and hold, I've read where in order to determine a properties value an investor would need to find at least four comps, look at all the expenses for each comp, do a vertical analysis to determine each line items percent of GOI, then compare that to the subject property.

@John Finch I'm certainly not avert to college-town investing. 

Soul Challenge averted.

then at least in on the West coast ( and maybe Russ can chime in on his market) but rents went on a vertical tear upward.. basically almost doubling from 2010 until today were they have peaked and are softening.. which is about the same for home prices across the board with some higher end stuff seeing some significant reductions.. starter housing still strong in most markets thoughthe only place that was building like crazy that did not really busto I think was Hot spots of Texas. and for sure rents in the " Cash flow markets " were stable we were getting 700 a month for a little mid west bungalow back then and you get about the same today. 

I guess I should have mentioned that ideally this not be too onerous, or to possibly negotiate that yield maintenance gets released after say three years depending on the fixed rate loan timeline (this would need to be paid for upfront).Another key point that might allow an out clause while being able to avert yield maintenance penalty that I also forgot to mention is to be sure that the "Loan is Assumable" so that a purchaser of the property could assume the loan. 

@Brit HaleYou can use a vertical PTAC for this-made by GE, does heat and cool but must be installed on an exterior wall.

With 500 billion dollars that went into bailing the corporations, if they had set aside 30-50 billion for landlords/tenants,this crisis could have been averted. 

Renter paid on 10th along with all late fees so crisis is averted for now.