In the mean time I have to send the same contractor for the heater ugh..This tenant really opened my eyes, as many mistakes we have made, the only thing I was able to really verify was employment, she doesn’t have a “professional” job but she’s making decent $ and drives a 2017 bmw.

The property consists of 4 structures - 2 duplexes, an SFR and 2 car garage, and has 3/4 of acre.Here is the link to my analysis using the BP calc assuming a $455,000 purchase price and below is quick summary.https://www.biggerpockets.com/calculators/shared/260799/874435c9-b77f-4f96-a3de-90be11c4cbbaThe asking price is $475,000, Assumed purchase $455,000.I've assumed $30,000 in repairs as a place holder (TBD)Current Rents total - $4,700 + an additional $75 in income from laundry machines _ According to listing broker.Taxes are $5,868 (verified)Insurance $4,500When factoring in other expenses - landscape maintenance, water, elec, vacancy, repairs, cap ex and PM I end up with $610 in cash flow.

@Ryan JamesHi Ryan, you'll need to verify with the county, but the quickest way to determine this would be to see if they are both on one parcel or on two separate parcels.

There seems to be a lot to unwrap there and I haven't done any kind of independent research to verify if every ecomic body out there is raising their forecast of growth or not.

Then you have verifiable receipts if it were to go to court.

I am happy to hear that you have actually gone through a similar situation and you are verifying that they do use 75% of projected rents for my DTI.

I verify income=4x rent and put them on bank draft.

With no job or verifiable income, it will be tough to do a cash-out refi.

A couple of suggestions, please find and verify the amount of times the property has truly flooded.

In my experience with multi-tenant leases for a single unit, one thing we have verified is that each individual tenant could carry the lease themselves if need be financially.