It did prompt the new HUD rules.I anticipate the HUD rules being expanded to credit scoring, which can be impacted by statistically abnormal arrest rates in certain populations (affecting  job stability and credit management) and by mental illness or other disabilities that affect such life skills as timely bill payment.

As a professional I will not speak negative about any program but I will say on a positive note.

Couple of negatives I see is on one there is no fence and the two side front areas are open to backyard.  

Within the state and even within particular neighborhoods in various cities and towns, there are pockets that defy the surrounding area and superseding neighborhood, etc whether it be a positive or negative connotation.  

Both have positives and negatives.

If I get 0 or negative monthly cash flow...

Of course your parents townhome will add negatively to your debt to income.

Your numbers are not too high, and especially for your first property you want to figure conservatively so your not surprised with negative cash flow on your first go round. 

When I try to analyze properties applying the four quadrant method, it does not work in Montreal because most of the time I have negative cash flow and the return on investment (cash on cash) is very low around 1-2% or negative.

So my cash flow is negative $100.