The rental amounts they approve are often not in line with what they publish and in recent years in Baltimore, landlords have seen decreases in rent of the same units when they turn them over.

Also, lol I'm aware a small 4 unit is not considered a medium or large... for investment purposes, we only have experience in underwriting larger projects, we've never analyzed an owner occupied until now, but thanks to people like you, I decrease the likelihood of major mistakes!!

I do like your thought about less leverage to decrease risk when the loan comes due.

I would assume that by having a contract ready-to-go I decrease the time the property will remain vacant, potentially saving me some cash .

Hello BP,I am looking for an Independent Insurance Broker to bundle some services with to decrease our operating costs.

Is there a contract that an investor can legally create to make the tenant/buyer responsible for an increase or decrease in monthly payment?

Also, for most property managers they should present you with a schedule that decreases as you build your portfolio. 

From what I read fees have been decreasing due to complaints:https://www.cnbc.com/2018/05/09/401k-fees-are-falling-due-to-lawsuits-over-charges.htmlSome employers are obviously getting it wrong as that article shows. 

Granted this is slower then lots of leverage ( Im currently at roughly 75 LTV and that will be decreasing by next year to about 65-70 LTV)I’ve got a solid plan to hit 20 rentals by 30, so that’s pretty good by most standards.

That shows a decrease of 16.2 percent from this time last year.