If you find 10 unsecured in a row...that probably gives you a flavor of whats to come.2.

this preys on people who have money, but their credit isn't good enough to get a bank involved).LTOs pay all taxes, insurance, utilities, and maintenance ($$$).LTO's pay market rent at a minimum, often slightly higher than market ($$$$$).LTO's receive none of the tax benefits of home ownership, because they don't own it ... they are waiting out the clock, and trying not to violate the terms of their agreement until they own it.I won't even attempt to get into all the different flavors of shadiness that investors will paint themselves to obtain property to sell LTO, that's a whole different rant.In this situation, the owner (real estate investor or otherwise) gets all the benefits.  

There are little subtle things I look at that most don't consider that leads to great tenants. 

There are different flavors of appreciation, and not all of them are speculative.

It would be better if it was a fourplex, so you would have some income left from the other units.Appreciation usually comes in two "flavors:".

@Dan Acampora , Give us a flavor of one of the recent ones!

Appreciation (capital gains) come in 2 flavors, forced and market.

Understand there are different flavors of appreciation, some short term, some long term, some speculative, others derived.

I've had to deal with most of these issues concerning both my own multiple retirement accounts.Since subtle, nuances can make big differences in interpretation, I've only felt satisfied by getting my pension guys, my two CPA's and my bookkeeper on a conference call to get the straight skinny. 

You are looking at older housing stock, and subtle differences within larger geographic areas.