One time when I bought on owner financing, I totally forgot that I didn't have property taxes included in my interest-only payments to the seller. 

If the landlord or their employee did the work themselves, they must include a description of the work, how long it took, and the hourly rate they charged.

I think one important note that I omitted from my original post was some background info.

When looking for cash flowing markets.. a lot of investors, including myself, are looking in cities like Cleveland.

I'm on a mission to get everyone to think Wrap Mortgage (or AITD All Includive Trust Deed) over straight Sub-To. 

Now what the hell is the SEC doing for all of the investors including myself.

Now all plans include List Stacking AND all plans now include the Driving For Dollars app.

Many posters say it's important . . . and they're happy to help you set it up for a fee.See what's happening?

State average homeowners insurance rates indicate the risk of natural disasters.Information Sources for Data-Driven Decision MakingUtilize these resources to gather the necessary data for your city selection process:Population Size and Growth: Wikipedia's Metropolitan Statistical Area pageAppreciation Rates by Zip Code: Zillow ResearchCrime Rate: Avoid investing in cities on this list.Comparative Homeowners Insurance: ValuePenguinProperty Taxes: LendingTree (as an indicator of overall operating costs)The Importance of Local ExpertiseWhile research and data are essential, remember that general knowledge only goes so far.

Look for a Stone Importer in your local market, and set up an account with them.