At that time the lender gave you a fixed loan for a certain period of time with so much down and a certain amortization schedule.The debt service coverage ratio example.At DSCR of 1.25 means for every dollar of mortgage payment the NOI can cover 125%Your current lender back in the day might have done say for example a 1.10 DSCR ratio because absolute NNN and investment grade so perceived risk to them was low.

Before you make any buys here in Cleveland, make sure you read The Ultimate Guide to Grading Cleveland Neighborhoods.

Check out The Ultimate Guide to Grading Cleveland Neighborhoods before spending any money on a Cleveland rental property.

I buy commercial grade bed frames, couches, etc when possible. 

So basically I had to put 15 to 30k into each one just to get current market value and compete with the new builder grade rentals being built..

We have been sharing a car since 2020 in different households when she worked from home and attended college online.She worked and studied, maintained good grades and was compensated for it via her school and the system.

I have a neighborhood grade map that I can share.

MAYBE HVAC, but that is less clear because the total cost of ownership of a very efficient system might not be that much better than a mid-grade system these days.

Grade B-C single family home. 

Hardly ‘revenue grade’...