More creative loans, such as portfolio and HML products, will predictably have even larger differences.

I predict it will cash flow before the end of the year though, because I will be able to raise rents.

As things in the financial world eventually move in the same direction, it wouldn't be too surprising to see a gradual rise in the T-bill, but this isn't guaranteed and no one can really predict how fast it will move, if at all. 

There is no way to predict what will happen. 

When a market correction comes (triggered by interest rate increases or other catalysts - i cant predict), i anticipate the tide will recede from other areas first and better situated properties later/less commensurately.

Market appreciation may be impossible to predict in the short term (<10 years), though forced appreciation can be predicted short term, but market appreciation is fairly consistent over the long term in a stable market with a long track record of it. 

To ensure this doesn't happen, I normally must have a lot of knowledge of the area and typically can predict how crime will be doing in the future.

On screening, we never hold Section 8 tenants to FICO credit scores as many are underbanked and the scores have little predictive insight for this population. 

From just reading this thread, I could predict many issues and no good outcome.

For a city like San Antonio or Tampa, I'd love to understand what the annual rent increase has been, and if possible, future rent increase predictions. 2) Construction Permits: New housing flooding the market seems to be 1 of the biggest risks in the MF world right now.