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As example, to cover how much of the proposed rental income from departing will be credited against those mortgage payments.

More specifically post cards because they are less costly and still effective if sent out to a good list and number of people. 

We're doing the disclosures now and I was quite surprised at the 2.469% of Loan Amount (points) Origination charge which brings the total Origination charges to $16,500 (Property cost is 645K, 10% down).

I know in New Jersey, you cannot bill if you clean it yourself outside of the actual chemicals used (I.E. free labor).  

Costs and hassles are high.

Free and many real estate professionals use it.

And a lot of start-up companies are migrating to this city as well, because of the efficient costs of living, the OSU campus that has thousands of students graduating and looking for jobs locally, and the availability of land.

Other than closing costs and loan fees, they are free to have. 

The area is super saturated and unless you get that place for nearly free, it won't cashflow.