It is not uncommon to encounter owners (or property managers) who lump the CAPEx and maintenance spend together for cash-flow tracking/projection, but someone (the owner, or accountant) should have separated them for year-end and tax filing.If the owner is self-managing, then it is also not uncommon to use {padded} management fees as a means of drawing income from the company.If the building has central heating and DHW in a climate like Iowa, your expenses are going to run much higher than Jeff Beard's 30% of scheduled rent.  

Countrywide and World Savings were the biggest culprits I encountered. 

But I have not encountered any bank that would go lower than 20%, so the maximum LTV is 80%.

There's even a show on cable called Tiny House Nation that chronicles the build process and transition process that individuals and families encounter in choosing to move to a Tiny Home.  

Occasionally, I will encounter a JP who engages with the tenant In their sob story but at the end of the day I have never lost one.

Wouldn't want to offer a "what would be necessary" comment as the requirements could be quite costly...I had thought that my approaching the Zoning Inspector would be better than having an attorney doing so, as I suspect most people "suck up tight" when approached by an attorney rather than simply having a conversation with the property owner; he has probably encountered many attorneys in his capacity, though.  

I work with a majority of millennials, many of whom I encounter complain that they are not being paid enough to cover their living expenses so they split rent with 1 or more roommates.

If you're giving everyone you meet a pen, a business card, a magnet, and a bumper sticker while you're wearing a branded t-shirt and a branded hat, you're going to look a bit corny.

I was going to buy sticker letter to make it look neat but it was more than I had so I grabbed my sharpie and wrote we buy houses on it.

We would really really like to have the pipes insulated so that we don't encounter the problem of no water or hot water if they burst.