I had no idea about these terms and vocabulary used in evaluating rental property.My main question is,   What is a decent, good, and great number to achieve on rental houses in general  for these categories;Pro Forma Cap RateCash on Cash ROIPurchase Cap RateIncome-Expense Ratio 2% ruleDebt Coverage RatioTypical Cap RateGross Rent MultiplierBoth houses of rentals of mine, or single family ranch house.  

The main purpose is that banks are not truly long term lenders.

My main questions are how do I figure out what areas in York are going to be the best for rentals (high occupancy rates) and if anybody has tips for renting in the student market.I'm really excited to be a part of this community and I hope to learn a lot from all of you!

I guess my main question is with the 10k cash I have & credit score what route should I take to buy an house and be able to afford rehab.

It's not an exact match to your situation, but it has similarities, and I think you'd see tenants just as happy with baseboard heat that could increase the temperature ~10-15 degrees as you would with completely separate furnaces, with a MUCH lower upfront cost.I think the main thing to consider is how long you're planning on holding the property.

I live in the biggest city in NH and work in the 3rd biggest city in NH. everything available in the main cities is far to expensive or run down for my experience and comfortability, I also want to get out of the city because I hate the city.

I personally think anyone with fewer than 20 units is wasting money by paying for software when a spreadsheet would do just fine.I recently tested TenantCloud (free for up to 75 units) and it has some really great features for a beginning Landlord, to include online marketing.

I think the main difference is that I have separate conversations with my tenants aside from the legal jargon.

I have been lurking on Bigger Pockets for sometime now and have finally committed to taking action on my goals for 2018 (mainly, purchase a 10+ unit apartment building) so I figured it would be best to introduce myself the the BP community and start networking. 

Before transitioning into hard money, I'd run Facebook ads to sales funnels that featured my listings to capture buyer leads.