Some time I make that mistake of working to far ahead and it can add unneeded stress.

I come back to visit allot, grand kids, friends and business partner.

If you have the juice to borrow from banks then your ahead of the game other wise your HML is your capital partner and you should look at them as such..

Because there are so many out state investors moving into the Philly market us locals need to come up with some new strategies to stay ahead. 

It's easy to jump ahead to solutions and not do the hard analysis of studying the problem first to arrive at a solution that correctly answers the question.  

.-  They know your properties overtime-  They will jump for you when needed if you treat them fair and build a relationship-  When they re key a property I haven't had a chance to visit I will ask him to take pictures and give me feedback on what needs to be done.  

We registered a 6-unit apartment building ahead of the March 31st deadline and were immediately called for an inspection (surprise!). 

Thus began the hardest and possibly most important years of my life.Poised on the brink of disaster, I had managed to survive but the road ahead didn't lead anywhere pleasant and I couldn't see any other options. 

Also, it has been my experience that by putting a larger down payment on a property the lenders will go ahead and count what that property is going to earn, in their estimation, towards my income, mostly offsetting the impact to DTI, or any negative impact that a purchase would have on my DTI.  

Sounds like she has/had a solid case on her hands so if they got away with paying only medical bills, they probably would have come out ahead.