A few years ago their water bill suddenly shot up thousands of dollars more per month than historical norms.

The LIBOR historically has been lower than prime rate but the bank adds a spread to come up with your interest rate. i.e.

Most recently I am using Fidelity's full view product as they are the broker I primarily deal with.I have some historical spreadsheets on Google drive but they mostly just show monthly pay/bills rather than providing any comprehensive statement of our finances.

Being a contrarian has usually played out well historically or you could look in the rear view mirror in a year or two and sang Coulda, woulda shoulda : ). 

Same for historical homes for that matter).

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.

The past few years have shown us that relying on historical data without adjusting for current and projected trends can lead to significant shortfalls in underwriting.

A combination of lack of infrastructure partnered with historic highs in population growth specifically in new international students pouring into the area to attend Cape Breton University, has presented less then a 1% vacancy rate on the island. 

Historically, the exact amount of shared commission varied, but this led to most sellers paying about 6% of the home’s sales price, with 3% going to their agent and 3% to the buyer’s agent.

This is a Maryland Historical Property, zoned for residential high density, with specific limitations on its usage due to its zoning.The property is massive, offering 8,276 square ft of space, including 5,445 square ft of finished area, and it features a substantial driveway.