I have a bunch of clients who use them, and they've all given glowing reviews.

Years later when I ran into my own problems I latched onto that advice along with healthy eating (i.e. the selenium in sunflower and pumpkin seeds help give you a positive attitude - no joke), exercising and listening to positive empowering music (I'm a positive hip hop fanatic - check out Dead Prez's 'Refuse To Lose'.)Embrace the energy you feel is making you "nearly homeless" and turn it into steam to move forward and succeed.

Don't settle for 1% deals, and run a conservative pro-forma with accurate expenses and healthy reserves...

They produce more of a bright white as opposed to the standard yellow glow.

Hope everyone is staying healthy and sane during these crazy times!

If a property provides healthy cash flow - I'm not talking about 50 bucks on a property carrying $1000 note - the likelihood of having a vacancy so long that you have to dig into your own pocket to make the note is almost nil.

If you keep a healthy reserve you won't fear a turn/vacancy - and in the long run you are better off with keeping market rates. 

There is a huge part of this where ai am flying with a healthy amount of ignorance that probably kept me from be scared to do the deal and negotiate it.

Sounds like you are talking about a $100k duplex giving you a healthy cash-flow.

Be well, be healthy and be merry!