So the 1.5-2% test meets requirements for houses on the high end of the spectrum for repairs.

They tend to sell on the higher spectrum of sales in my neighborhood - so in my situation it would likely appreciate.But like I said, I am using the equity for investments.

The PM is only responsible for the common space.So 960/mo is at the low end of the spectrum.  

I have a few on the other end of the spectrum as well, but they tend to be local.

Unless you're using a portfolio loan due to some exception you may need in your financing, I'd say it's safe to assume you'd get about 5.5% on the very high end of the rate spectrum.

There is quality housing in the $100's, and distressed properties peppered throughout  both sides of the spectrum.

The trick is, correctly identifying your properties along this spectrum!  

On the other side of the spectrum, I have discovered that there a lot of entities out there that are only out seeking to deplete you of your money; I've met and worked with Guru's, attended seminars/boot camps, you name it.

The problem is that it's easier said than done, social influences weigh heavily and people are always trying to flaunt and out-do their neighbors and friends.I think work ethic and passion is by far the most important factor that differentiates the wealthy from the others. you don't really ahve to be that "smart" IMO.I think the recipe for success and wealth is this: If you are passionate and determined and thus work hard towards your goals, and are financially responsible (spending less than you earn) wealth can be achieved by almost anyone.the two opposite ends of the spectrum are the individual who labors at a meanial job just enough to pay his rent, cable bill, and a case of beer and box of cigarettes so he can sit around his house watching tv.

I drew contrast to the two sides of the spectrum where on the left side is a non-performing loan.