The city's name is derived from Fort Steuben, a 1786 fort that sat within the city's current limits and was named for Prussian military officer Baron Friedrich Wilhelm von Steuben.

Unless there are tons of Bear Sterns & Lehman's hiding in the shadows with derivatives and subprime mortgage packages to drop on our heads?

Dun & Bradstreet relies heavily on the financial statement to derive scores and ratings.

I understand that this is the base for the apartment complex analysis, what I am having a hard time understand, you pulled a number out the clear blue sky with no explanation on where it comes from or how you derived at it, and it's that .10 (point 10) that can change everything if I wanted to make it higher or lower, so what justifies the .10?

Any suggestions on how I can derive that prior to getting the land?

I have created a map of the Cleveland area that is derived solely from data (rather than anecdotes/opinions) to show risk level for each census tract and would be happy to show you... just inbox me if you're interested.

For further details on this parameter, please consult our user guide.We have allocated a budget of $15,000 for renovations / refurbishments.The purchase price of a 2-bedroom / 2-bathroom unit in this area is $498,000, with 5% of this price allocated for closing costs.A turnover cost of $175 per booking has been factored in, with no rental management fee assumed, indicating that you will manage bookings and cleaning services independently.The mortgage rate is set at a fixed 7% per year, with an 80% loan-to-value ratio (LTV) and a 20-year term.For the remaining parameters in our financial model, please refer to the image above.Taking these values into account, below are the results of the financial case study.Some insights:The results show the anticipated performance of a 2-bedroom / 2-bathroom unit in the southwestern area of Okaloosa Island, Florida.Expected gross revenue amounts to $78,240, derived from 47 bookings with an average stay of 5 days at an average daily rate of $325 (inclusive of cleaning fees).Total yearly expenses add up to $68,014, encompassing various costs from private mortgage insurance (PMI) to property taxes and annual loan repayments.The cash required for this deal totals $139,550, incorporating the 20% down payment for the mortgage, 5% closing costs, and the $15,000 renovations budget.Pre-tax net revenue stands at $10,226, representing a 7.33% cash-on-cash (CoC) return.The annual return on investment (ROI) is 1.9%, excluding value appreciation.

For the off months, you'll have to figure out how or if you can derive income to help offset expenses.

You say someone has "too much" because you don't approve of their use of their property(ies) and you feel that someone else, perhaps yourself, would derive greater benefit from the property.

Look at the most successful people in any field, and they could have stopped working years ago - they don't b/c they derive meaning from what they do, & the satisfaction that comes with overcoming professional challenges.