Because of that, the majority of people here prefer detached lifestyle (SFR) except in the luxury apartment and condo market downtown.

I don't know, but from my basic knowledge, make sure you are pumping up the vacancy factor to account for the summer months being potentially vacant.

Combine some of those factors with congress attempting to make collection law even more consumer friendly, and the rise of frivolous collection lawsuits, and you have an eventual recipe for a bubble bursting.

Do your math and plan for the worst case scenario when factoring in your expenses.

Thanks Unit count and occupancy status are both interest rate factors, yes.Fannie Mae publishes her pricing adjustments publicly. 

If it's a multi unit building (5+) usually the occupancy factor should be at least 80%.

I also see and hear those same "professionals" massively under-quote repair costs, forget to mention important due diligence items that if not checked can be a nightmare for the new buyer/operator, and make ridiculous claims that fly in the face of building codes/basic supply and demand factors/actual operating experience, and the like. 

Depending on your age this could be a game changer for your future lifestyle don't waste it. 

I would factor in your personal finances into this.I'm not saying real estate investing isn't lucrative, but on a macro level in the next few years I expect to see a down turn.   

You should move to a less expensive apartment, cut all unnecessary expenses to the bone and adopt a more frugal life style.