What I mean is that when you quote someone after you reply the entire quote is in a box but the border color surrounding the box blends in with the white background so it's hard to tell if someone quoted someone or if it's one big reply.

In Boston, when I lived there you had to obtain a permit to carry pepper spray and could only carry certain blends of pepper spray.Knives are another matter entirely as they in some way more efficient lethal weapons than a gun.

On the other hand, almost everyone in the suburbs and in the rural areas of Ohio has a gun, so the risks would be higher also.Another consideration that I think is important in lower income areas is to blend in.

Some of the above seems to blend these two distinct concepts.

It's up to you to be aware of your local market and see how you can blend in with the surrounding environment.

If you put a color closer to the colors of the stone it will blend better, and make the walls look taller rather than broken in half.

But for an investment standpoint you're really speculated on pure appreciate plays versus getting a good blended play here in NJ. 

HI Leland,Ultimately, it depends on the loan product you're using to qualify with but for the purposes of conventional financing then you will need min 1 year tax return filed with the self employment income and to document your past track record in the industry doing pretty much the same thing then you can probably blend (using worst case) numbers to be conservative (yes thats how underwriter's are).So for instance the s corp income is 100k but your W2 prior was 125k, dont think they will use 225k (100 + 125k) and divide it by 24 months they will probably take your 100k / 12 months = 8333.33 and apply a max 45% DTI to that 8333.33 which will give you a max qualification of 3749.99 per month max payment (all debts included).Most banks wont take the above 1 year tax return it just depends on your situation.

What really matters for profitability is the delta between blended cost of funds (debt + equity, where true equity = 0*) and cap rate.* Yes, I know the cost of equity is higher than the cost of debt from a financial analysis perspective, but equity doesn't have a cost on the P&L.

(We are a blended family with 8 kids ages 19-26)  They have all worked for us in our construction business and the short term furnished rentals.