Pretty big spread!  

Yes they can, but it is not the only reason they could offer a higher premium on the renewal.If your area has had a lot storm related claims, like wide spread hail storms, chances are all policy holders in your area will see an increase in premiums. 

Hi,I hope to make big inroads with my marketing for 2016:-Continue mailings to my existing lists with letters-Online marketing (social media, craigslist, etc)-Possible postcard campaignMy question is: What should I expect my ROI to be for marketing?

The tenant would happily buy the property from me for $4000 but would need to spread out the payments over a year at least.

Chances are, even if you're not investing it in real estate, that extra cash could earn a decent spread over whatever your mortgage rates currently are.

Notice how spread out these listings are.

There is no question hard money is expensive, but there is a reason why all the big time flippers use it - it drastically increases your Cash on Cash ROI, meaning your personal capital will be spread out over much more projects, in turn leaving you with much more profit.

Bad news spreads further than good!

His mortgage payments are low and there is a good spread from what the tenants are paying monthly.

We are both in our 30s and work in digital media advertising in NYC and really want another means of income so we don't have to continue with our crazy 40+ hr weeks.