The student rentals have been good but not looking good with all the virtual school going on...Looking at properties on the Gulf coast in Fl right now .. fingers crossed

Thanks Nathan.Yes, the mortgage $941 includes the taxes and insurance.The house is almost new (1 year old roof, HVAC, driveway, water heater, septic, interior/exterior paint, 1 year old window, etc.. ).Plus I have 3m of rent in my reserves/savings account.Knock on wood.. not much more can break ( fingers crossed ).Thanks for the insight.

A good friend of mine, experienced with his snowblower for 20+years, lost some fingers a couple years ago from a stupid mistake.

I run my numbers with an increase in taxes a couple percent (I'm in NY it's inevitable), one city that I invest in likes to raise sewer rates so I run numbers with a couple percent higher fees, many multifamily properties in my area of the Finger Lakes are over 100 years old so I just add an extra percent or two on cap ex...despite many of them being rehabbed at some point. 

Fingers crossed

I use Bank of the Finger Lakes in Geneva - they’re great.

I fold it over my left middle finger the old Balkans way, spit all over my right thumb and forefinger, and count the bills open in Greek. 

And you can always try patching your tub and cross your fingers.

Go straight to buying a property and cross your fingers.

(fingers crossed) and repeat!