Both of the units currently have in the lease that one set of the occupants is responsible for mowing, snow removal, etc...Just curious....Is this a liability for me if they get hurt?

For example:  Pest control, legal, accounting, marketing, snow removal, repairs/maintenance, etc.  

Since it was repaired, has it made it through some winters with significant snow or ice loads?  

The only caution with vinyl is the potential for rocks to put holes in it from mowing/snow-blowing and for grills to melt it - if you allow grills.

We are at the mercy of the AMC’s now and whatever lazy dirt bag appraiser they choose, which in most cases is going to be the cheapest.

House is a duplex and is in excellent condition-Estimated purchase cost - 75,000Rent 1,6000/MMonthly Property Tax - 225Monthly Vacancy (10%) - 160Monthly Cap Ex (8%) - 128Monthly Repairs (5%) - 80Monthly Management (10%) - 160Monthly insurance - 80Monthly Water - 54Monthly Lawn / Snow - 92Total Expenses - 979Net Income - 622Mortgage and Interest per Month - 282.14Total Annual Cash Flow - 339.86With Cash on Cash ROI - 21.32%CAP rate - 9.95%Am I missing anything?

Do you need snow removal?

However, with a year-round tenant, they pay the utilities, they take care of lawn, snow, trash, and cleaning, and they provide their own furnishings.

It is busy in the summer and the winter really dependent on snow quality.

He did not include Office, Legal, Prop Maint, Snow Removal.