@Brett Dawson Yes the IRS allows you to catch up on any unclaimed depreciation with Form 3115.

I'm in the learning stages too, so don't pay too much credence to anything I have to say :-).That being said, I'd be a little nervous about the vacancies- if you buy on actuals using 20% down, that's $31.2k/year gross minus $21k/yr (rough & conservative estimate using 50% rule-of-thumb on $42k gross at full occupancy, since you'll still need landscaping, garbage service, etc.) minus $10.8k/year debt (conservatively using 5%), which would put you at -$50/month right out of the gate.I'd probably want to see a rent roll and trailing 12mo P&L- I'd also want to know how long those two units have been vacant, and would try to find what the reason is (whether you happened to catch them when 2 tenants moved out, or whether there's a bigger underlying problem). 

Only catch is that since rates have creeped up I'm not sure if its worth it to switch my first loan to a 30 year fixed at 5-5.5% to get the equity out.  

So the high returns often come with a catch!

You can buy inexpensive "stock photos" if you don't have any pics of your own to use.3.

My thought is to be able to access to catch up on my reading at times that I am not near an internet connection. 

I've been looking around Nashua and Manchester and only a couple plexs looked like their photos. 

@Steven Mitchell   Can you post a few photos so we can see the extent of the problem?

Use a photo editor to change either the size or quality of the jpg file.

When I didn't get a reply, I started searching the web and saw photos of what you're talking about.