@Kathy Fettke You're doing a great service by providing solid information.

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

Have you reached out to any social service organizations that might be able to provide tenants to your property?

I spent time in the league and have since built my real estate portfolio and started a real estate agency and property management company servicing Indianapolis and its surrounding areas.

If you hire a Property Manager they can sometimes help arrange lawn and snow removal service.  

With 0% down and 30 year amortization, your monthly debt service will be $1756.

Customer service is always great when they have something to sell, I am sure you know this. 

That does not require employment or job seasoning instead it uses the rents to qualify and you can take out up to 80% LTV cash.Use the cash to put down on the next 1-2 or more properties as long as the other properties are debt servicing themselves it opens up more opportuities to buy more future assets and increase your passice income.  

I would include servicing costs of the loan and licensing costs.

The major pieces of information you are missing include NOI which includes deducting all of your operating expenses from your gross rents sans debt service, market dynamics (what are vacancy rates and asking rents like in the market the building is located in?)