If not, then it's probably a common thing there.

Hey there,I'm interested in utilizing private money lending for financing while I save up to use my own capital along with Hard Money Lending.

Closing costs, commissions, property taxes, utilities, interest, and many more costs are always a factor.

We utilize email campaigns and the response declines every year.  

This is a very common mistake that investors make and it will cut into your rent and days on market by a lot.

As far as this property goes, there are separate utilities and entrances to each unit.  

A common mistake I see for new STRs is making sure to fully understand what your property manager does.

Here's some guidance on buying your first investment property in Southern California or Columbus, Ohio:Down payment:For investment properties, lenders typically require 15-30% down payment on your first investment15% down is possible with excellent credit (700+ score)20-25% down is more common, especially for multi-unit propertiesSection 8 considerations:Pros:Guaranteed portion of rent from governmentPotential for longer-term tenantsMay be easier to fill vacancies in some areasCons:More paperwork and inspections requiredRent amounts set by local housing authorityPotential property damage concernsOther tips:Research local markets carefully - price trends, rental rates, etc.Factor in all costs - taxes, insurance, maintenance, vacanciesConsider starting with a single-family home or small multi-unitBuild a team - real estate agent, property manager, contractorsHave cash reserves beyond just the down paymentUnderstand landlord-tenant laws in your chosen locationI'd recommend talking to local real estate agents in both areas to get more specific market insights.

Though accidents could happen, 99% of the time these issues that most people need to get policies for are due to the lack of common sense or for someone accepting responsibility for their actions. 

This is fairly common within the industry and a way to reduce administrative costs considerably since you’re not repeatedly negotiating the base terms and conditions of the contract.