The Syracuse area already brings the Rochester tech community, Syracuse University, Upstate Medical (which is currently expanding), Syracuse University, Cornell, Morrisville, etc and the city is right at the cross roads of I-90 and I-81. 

I would also check into your insurance as a lot of insurance companies won't cover damages/medical costs when it's a pitbull. 

So now your discount leaves out anyone with a medical condition who doesn't have the chance/choice to serve in the military and possibly never did.Sex/Gender is also a protected class. 

I don't have any issues with student loan or medical bill issues because both systems are garbage.

Maybe they ignore medical debt. 

Hospital LiensHospitals filing liens on homes because major medical bills could not be paid; often a pre-cursor to other delinquencies14.

Rent to primarily young professionals in a college/medical town.

House price is 250kCoverage Details1: Dwelling - 222k2: Other Structures - 22l3: Household Furnishing - 2k4: Loss of use - 22k5: Premises Liability (per occurrence)  - 300k6: Medical Payments each person - 1k7: Peril Deductible    7a: Windstorm or Hail - 2200    7b: Property Coverage deductible (all other perils) - 1k8: Additional Replacement Cost - $55,500Is there any room for improvement or this is good enough?

Thus far I have always used conventional mortgages/doctor loans/va loans to finance owner occupied homes that later became rentals.

That has led Memphis to be one of the fastest growing manufacturing HUBs in the U.S. with major growth across all fields of manufacturing, but especially in Bio Medical fields.