It is factored into the rents globally with my other utilities.

I haven’t made my first investment yet, but the niche I’m going to stick with will be buy and hold and flipping, emphasis on buy and hold for cash flow.

Dan,Your banker is likely referring to global debt service ratio as nearing 1.2. 

Usually some form of the carrot and stick with most emphasis placed on the stick.

-response/answer: not to oversimplify, and please if any other investors would like to comment, markets are generally global, yes individual markets will vary, prices, neighborhoods, single family vs multidwellings, commercial, etc, but globally, I would like to say, maybe not so boldly because I do not know everything, it is a buyers market. the market is in favor of investors even thought the market is starting to recover and prices are rising. now is the time to buy10. good luck to u!

They will typically be a bit higher in rate then a Fannie/Freddie Loan and most will have prepayment penalties, but they also only cash flow the property instead of doing a "global cash flow" like Fannie and Freddie do.

With the emphasis on fee collection being paramount.As to finding an attorney...The very first question you should ask ANY potential lawyer is..."

I like the emphasis on actually doing deals!

Emphasis added.If you discriminate based on any of those factors you are breaking the law.

"the cutting edge real estate online marketing strategies"Darn, I miss the old trailing edge strategies.Sorry, unless you're at a global scale, SEOs (even if you pay religiously) aren't much of a high-quality traffic generator.