I don’t believe there is such a thing as zero percent financing.

Generally no gift tax is paid if the donor has remaining lifetime exclusion available.  

Some states assess at a percent of market value on purpose so they can eliminate the debates from homeowners saying their house isn’t worth what they’re being taxed on. 

@Kevin Polite - is pretty on with a buck/buck fifty psf. 

Buying a 2 to 4 units property is different than buying a 5 unit and above, because 5 units and above are considered commercial property and you will need at least 25 percent down.

I have friends that have not started a paid salary early enough and are  now having trouble getting residential mortgages at 20 percent  down.I have other friend that is not paying himself a salary and purchased extra liability insurance.

The service data sheet that came with the 10-year-old Hotpoint (GE) 18-cubic-foot top-mount no-frost in my house says that with the freezer knob at 5 (on a scale of 1 to 9) and the fresh-food knob (if equipped) at C, which is also the middle, you should have:70 F ambient: Fresh food 33-39 F, freezer -4 to +2 F, percent run time 26 to 36%90 F ambient: Fresh food 33-41 F, freezer -4 to +4 F, percent run time 40 to 56%The service data sheet that came with my 3-year-old Frigidaire (Electrolux) 18-cubic-foot top-mount no-frost at my rental says that with no load, the doors closed, and the controls set in the middle, you should have:65 F ambient: Fresh food 35-40 F, freezer +2 to +8 F, percent run time 25% to 35%90 F ambient: Fresh food 35-40 F, freezer 0 to +5 F, percent run time 45 to 55%Another rule of thumb I have heard is that if you have a box/tub of ice cream in the freezer, it should be soft enough that you can scoop it - not a solid block but not runny either.Like @Jennifer Rysdam and @Joe Splitrock said, cleaning the coils can help. 

If you're willing to take that risk tell your LO to let your rate float until it hits a certain percent in either direction.

90 percent of my tenants are section 8 I don't have to chase my rents and I find they are very good tenants.

We have had twice in my lifetime that volume added on apts for the college campus and the results were pretty bad.