You are entitled at the very least to get free copies of your reports annually from each of the major bureaus.I respectfully disagree with the person who said that disputing items with the credit bureaus is a complete waste of time.

Couple that with a nice double-digit CAP and annual ROI and you may have a winner.I think fire damaged homes are a great target for wholesalers.

Figure out the average monthly rent for that unit, take out 35-40% in expenses, then subtract out debt and that's your cash flow.Then calculate the total cash flow annually for that property and plug in your downpay cash in and initial rehab done if any and you will get your cash on cash roi. 

After including property taxes, insurance, property management, repairs, and including 2 months of vacancy per year (just to be safe), the BEST deals I've seen would only net me a 5% annual return on my investment.

How often do you adjust your insurance based on these factors, annually?

Joel is very correct in suggesting you remove all of the old hive to prevent them from coming back on a annual basis.

Build in an annual rent increase so you are never too far under market.

Here is what the following charts show as our current situation.50% of households now received at least one federal check monthly.Nearly half pays zero income tax (yes, I'm aware they pay other taxes but so does the other half already).50 years ago the annual federal transfers was equal to 24 billion in today's dollars – in 2010 that number had risen to $2.2 trillion in transfer of money, goods, and services, which was nearly a 100 fold increase AFTER adjusting for inflation!

Define the annual returns you want and the degree of risk you are willing to take on.After many avenues of research if the return you want has too much risk for you then you need to adjust your returns expectations or increase your risk acceptance with your money.If the dynamic is specific to your area where you live you can look outside of that area (other cities,counties,states) to find properties or investment streams that match what you want.

If those "net" numbers are for real, it would take quite a bit of appreciation to give you that $7K difference in annual return.