I make about 70k a year from my salaried job and my friend makes double that.

just double checked my lender is now 80% LTV for short term rentals only 85% for long term rentals

A double-entry system (like QuickBooks) allows you to reconcile your bank statements, ensuring no missing or duplicate transactions.

No sure about that as buyers want to see the finished product and showing them before pictures will often not be well received.That's funny, my wife said the exact same thing about showing them the before pictures. 

Can anyone else suggest other real estate or economic newsletters where I can get big picture news on the real estate markets and economy? 

Though DSCR gives you a better picture of how the property is projected to perform vs debt service, you can't rely solely on one measure to make a purchase decision. 

Even if you only averaged 2.8% appreciation annually, which if you've had it 20 years I have no clue how that's true given prices have well more than doubled in that time, youre skipping over the fact that you have been benefiting from that appreciation on the ENTIRE house, not just the % you paid for.  

Triple Diamond, Double Diamond, Diamond; nothing sounds bad) of sales levels, putting it on cards and advertising them.

The removal of the Taxable Value cap and the switch to Non-Homestead millage rates can double, even triple, the property taxes.

On MTM tenants i tell them not to hang pictures or make holes in the walls, however.