So your best bet is to put yourself in their shoes and shop around just like they would be.Also, some markets are definitely seasonal, and your market rent could change drastically from winter to spring/summer.

The main drivers1) Local Inventory2) 10 year treasury(macro)3) Personal Debt levels(macro)4) Real Unemployment(not the unemployment number but real white collar job loss ratio'd to part time jobs). 5) Industry proliferation(can't tell me a tech or finance hub moves like a health hub).To tell me #2 will derive from the same inputs as it did in Sep/Oct, I'm willing to bet it won't.

That’s the best bet.

@Gary Bonds the only way you'll bet a business loan as a newbie, is by cosigning for your business.You'd be better off getting a business credit card you personally cosign for to start establishing business credit.

I do see a ton of 2 unit houses on Zillow, so would it be a good bet that these are landlords trying to unload their stock before student housing regs kick in?

In fact, I would bet that the only stockholders that would have enough clout to move prices, such as pension funds and the like, would probably appreciate a bank that maintains clear line-of-sight between the note holder and mortgagee. 

Essentially, I am betting that rates won't go low enough where it makes sense to refinance.

Otherwise, rent-by-room is probably your best bet.

I bet if they found a subsurface problem, I would own those. :-)ps.

Your best bet is to get an estoppel that verifies their lease dates, rent being paid, security deposit, and advanced rent.