There has to be a balance.The visual impact of that roof can be an issue, but that isn't something that pops up overnight, you can observe the condition over time and estimate replacement.  

So as an investor, you can aim to minimize your federal taxes which will have about triple the impact on your bottom line, or you can aim to minimize state taxes. 

My goal:Have enough cash flow that my husband can permanently retire ($200k/y in today's dollars) in 10 yearsAlthough this business will be mine alone, my husband is concerned about how we can accomplish these goals without over-leveraging ourselves.

All of the above will impact projected maintenance and CapEx.

DBPR licenses and regulates construction trades which impact the structure of a building and affect public safety, including roofing, HVAC, electrical and plumbing work.During this fiscal year, which began July 1, 2014, DBPR has received 462 complaints against unlicensed real estate professionals and appraisers, resulting in 132 investigations and 35 Notices to Cease and Desist against unlicensed individuals in the real estate industry.DBPR also has a coordinated media campaign with proactive public relations efforts including press releases, news coverage, social media and organization with industry associations to combat unlicensed activity statewide.Per Florida Statute, DBPR collects $5 from licensees during the initial licensure and renewal periods to aid in the combat of unlicensed activity.Floridians are asked to report any suspected unlicensed activity by email to [email protected] or by calling the Unlicensed Activity Hotline at 1 (866) 532-1440.

My strategy has been to buy in areas with large populations of "permanent" people.  

(Iron Triangle, North Richmond).I’ve had my eye on Vallejo for a while, but the commute is further, I still don’t think a lot of Vallejo residents use the ferry because it’s so expensive, and rent ratios seem to have continued to be higher in Richmond (I will add that it is closer to my home base which has a slight impact also – so I need Vallejo to be better than Richmond for me to switch).

For me college had little impact on where I am today.  

That they were made aware of the HELOC from the beginning of the process and that their lack of timely action in no way should impact you negatively, and that you would have pursued other options previously had they informed you of the delay.

However, many cases involve a child with a permanent disability that will ripen into a conservatorship.In CA, this few guardianship properties there are sold require formal court order, hence are subject to overbidding.In short, personally, I would not solicite these leads for purchase as they do not make very good prospects.