@Ed Lopez Many good points in this thread.A few things I was thinking about when reading your posts:1) At $500/month in rent with annual turns it is going to be nearly impossible for the cash-flow math to ever work.

But given I've paid for snow removal like once ever, I don't know what I should offer someone who is not a "pro" and already has an idea of their rate. 

This is a great area with plenty of opportunities to grow as an investor.Feel free to reach out if you ever want to chat about deals, strategies, or just connect with other local investors.

because there are two groups - those who are out buying real estate and doing deals and those who are marketing a lifestyle or dream to get people to pay for something that rarely if ever happens.

Only way I would ever do it again, is if that contract is written much more carefully and explicitly.

If there were ever a time to shop multiple carriers and even multiple agents (if necessary), that time is now. 

We don't have that policy and I don't ever tell an applicant they can't apply I just make sure that there are multiple correspondences documenting our screening criteria.

That’s the most BIASED “opinion” you can ever receive.  

We all know they won't ever pay.

Would you ever want to return to the home?