Plus your studies at Kent State should be useful to your real estate business, regardless of what niche you choose.I attribute almost all of my education to this website and the podcasts when I first got started ~10 years ago.

I am also not very fearful in general, and I am thankful I was born with the attributes I have. 

He eventually had 4 open-heart surgeries, was depressed, etc.Now that it is 20 years later, comparing it to my well oiled Investment property, because of my prime location, the appreciation I received is far higher than his, my cash flow is also far higher as the rents skyrocketed in my areas, AND I spent WAY less in Medical costs that he did.While I don't want to attribute all the Medical Health issue towards these difficult to manage yet higher cash flowing properties, I can see what it did to him as he would call me asking advice on what he should do.If he were to add in the medical costs and health problems, over the 20 years, I'm so glad I did not go down the high cash flow route.I can enjoy my Investments because of the lack of Stress from all these years.

This is all attributable to higher loan rates resulting in higher cost not only to the consumers but also corporations.

Or would i have to exclude the sq footage of value attributable to the LTR?

@Mel HarsH - commercial financing underwrites much differently than residential, and there are attributes around the deal they are evaluating instead of the personal DTI.  

It is very difficult to determine if the specific attributes you need in a smart lock will be available in the configuration you purchase before you actually purchase it. 

I have done over 60 deals since March of 2018 and I attribute much of what I've done this year to their strategies.

If your property has those attributes, you should have a good deal of interest, which will allow you to be selective in picking a Tenant.Contact me off forum and I'll be happy to share my screening criteria. 

People attribute a lot of what we do to luck, being in the right place at the time, or just happenstance - this is because they fail to see the hours and hours of studying, exploring, and experience that has brought us to our successes.As Branch Rickey once said "luck is the residue of design."