I'd hate folks to misunderstand this law based on your erroneous post.And to the OP,  the Fair Housing Act speaks to advertising as well:   "When advertising housing, it is illegal to specify a preference or limitation or to alter the terms and conditions of housing based on someone’s membership in any of the protected classes." 

It's always better to err on the side of caution and overestimate a bit on CAPEX, repairs and maintenance, but over long periods of time it is fairly predictable.Dayton has some great cap rates in certain areas, it's certainly one of the better markets I've closely researched.It can seem easy but there will almost always be unexpected bumps in the road that you come across.

Since you can't trust credit reports to be accurate when we already know there's an erroneous forbearance on it, the underwriters with some lenders are just asking for proof (from your checking/savings account, etc) that they've still been paying on time.

And this is only one example of his use of deception.In December 2012, Armando Montelongo attempted a forced take-down of our Armando Montelongo review page at that provided an honest review based on facts only,  by erroneously - and illegally - using the Digital Millennium Copyright Act (DMCA) which is strictly for copyright issues.

I think I’ll err on the side of caution on this one. 

Sometimes this data can be erroneous so you should look up the deeds.   

As a contractor I have performed work with permits and without, however my opinion is that it is always better to err on the side of caution.

That being said, it wouldn't hurt to use a 2 month vacancy as Austen suggested as it would mean you have conservative underwriting and would ensure your numbers err on the side of caution. 

I am not a Sober Living Business as my CPA erroneously called me.    

You said you broke the land out from the cost basis,but did you erroneously depreciate the side of the property you were occupying?