In most cases, if you were changing jobs to a "New Career Field", Lenders will want you to have some time on the job.  

Fellow BPers, Hope you all had an awesome Father's day celebrationI've been in BP for about 2 years now and I really appreciate the spirit of collaboration and help in this community in my investing career.

Definitely getting a lot of different  opinions which is both a good and bad thing!

Syndicated Mortgages are getting a bad name here in Ontario, however the basic relationship structure is still sound especially for OSC 45-501 compliant investors.  

.$0 in repair costs is a stretch- especially if you plan to increase rents...you'll need to justify the higher rent and that typically means improving the condition of the property = $$Your upfront equity position isn't great, but it looks like you'll start with a bit of equity...and if you decide to improve condition you can force the value as your NOI increasesBoilers are find if they are modern...looks like yours was replaced in 2017- definite positive5.3% on the loan doesn't look too bad...your DSCR is 1.15 ...most lenders will require this to be 1.2++ Vacancy is relative to your local market...not sure 5% is the right number to use or not...I look at CapEx different for year 1 and consider it an up-front out-of-pocket expense...but it looks like your units are in good condition so 5% may be right...maybe high...Water and sewer (and other utilities) seems low to me, but it's specific to the area...and maybe just for common areas?...

Leverage can be good and it could be bad.

Too bad vinyl isn't. 

Unfortunately for her she was a bit indecisive at the start of her college career and decided down a niche path that didn't have a great ROI .

That doesn't sound like a bad deal if you aren't using it, just make sure you have the ability to get the car to the people who are renting it.

One bad apple ruins it for the rest of honest and hardworking property managers/investors.