That being said, it is almost universally believed that to arrive at a cash flow number one “modifies” the profit and loss statement by adding back not cash expenses such as depreciation.BUT, here’s my issue.  

I understand the capital region, the Adirondack region, and Western New York (Rochester and Buffalo) have their strengths and weaknesses, but I'm going to focus on this central part of the state.Binghamton is my favorite investment market for a few reasons, but it's not for everyone.STRENGTHS-  low prices-  blue collar overall, meaning lots of resources for contractors-  growing university, consistently growing rents-  I expect to see an actual 10% cap rate here, higher if the property needs work-  compared to downstate, permitting, evictions, etc. are simple and quick-  no code compliance inspections required on existing multifamiliesWEAKNESSES-  no. natural. appreciation.

Pay it forward, the universe will reciprocate if you helped someone out who is in a tough scenario. 

We may have a potential sub 2 deal in University Park.

@Josh Levan Mostly northern Tampa, so University, Temple Terrace, Seminole Heights, East Tampa, Tampa Heights.

Although, as mentioned at the top, the pull chain switches are often a weak spot, however they are often easy to simply replace with an inexpensive, universal replacement switch from the hardware store.

If it's annoying, I agree, lawsuits after-the-fact ARE very annoying and due to such that's why everyone get's to enjoy this new universal annoyance. 

The first is University Square, high in diversity low in cost of living, and it is ideal for new families and young students that are just getting started.

Nathan,I don't mind offering answers but please make sure this is not an "Ego Battle" I am here to help and honestly I am an FDIC Banker - Not a realtor so I am the one who offers the financing.Regardless of 6 months - Yes you can use college from a major university or trade school!

Property is a C class area, so I am concerned about the quality of tenant I will get but I am close to Ohio State University, a hospital, and short north/downtown columbus so I am hoping as long as I screen tenants I can find some promising people.