But I also realize many people choose the direction of Appreciation first.In my hometown market (not Pittsburgh, but central NJ area), few small to mid size multi family properties could come close to cash flowing positively.

Has anyone reached out to their bank's fraud department to see if they are maintaining account balances reflective of their operations size?

Buy solid properties in decent neighborhoods and screen your tenants well. 

Not saying that those are possibilities but understanding those potential outcome and doing what you can on the front end (screening + clear expectations) to avoid them.  

So now an employer has the affordability to afford the coach/teacher manager and the over-sized staffing.

I think Bigger Pockets can and should do more to help investors have "bigger pockets" by not only warning but screening guests.

Review the quality of the tenant base (do they have a history of paying on time, what were the original screening criteria, do they have applications on file).

.- Plan: postcard-size tax returns.

He attached a screen shot of the still active license.

Here is the new response:  "The Terms and Conditions were not properly displayed for the cardholder during the order process or on the same screen as the checkout screen before the final checkout.