Strictly cash flow is missing the forest for the trees. 

I see a lot where newbies are asking for help but as newbies, it feels like they are missing a lot details.

Sounds like you are truly blessed to have a nice Chicago portfolio, but something is still missing? 

I also use business lines of credit from banks, but for this banks definitely want to see revenue (usually 5-10x the amount of a mine they will give you).It is important to remember though that just because these lines and CCs are not immediately reported on your personal credit report, if you miss payments or default you are personally liable and the debtors will add it to your personal credit report.

I have seen a tax attorney on YouTube specifically saying you can take a full year of depreciation even if you buy in December but all I see in the IRS publications indicates that you have to prorate based upon the time it was available to rent.is there a rule I am missing?  

So I decided to look up MI and see what I was missing.

Many banks handling tax escrow accounts for mortgages have mistakenly thought there was one tax due twice/year or totally missed one of the taxes.Investors should research the SEV and the Non-Homestead property tax millage rates to project what the property taxes will be after adjustment.

Did you miss this in the same forum 10 days ago with 95 replies?

Then it automatically reverts back to the monthly payment option so you would never miss your regular payment.

There is usually a missed opportunity in most markets delivering housing products that are needed but not readily available and the Zillow data most rely upon does not tell this story.Get to know the members of a community, their needs, what steers them away from the housing that's currently available.