Just looking from a high level the real estate market in Kennesaw looks very healthy.

These are major things like (all estimated include labor + materials):1. roof with heavy granular loss and near end of live (needs replacement) - estimated $9K2. foundation grading needs - estimated $1k3. new HVAC needed - estimated $12k4. wood rot on housing in numerous places + wood trim repair/replacement - estimated $2k5. new water heater needed on 1 side - estimated $3k6. rotted facia and soffet - estimated $3k7. soil grading - estimated $1k8. bad electrical wiring that must be rectified by electrical - estimated $1k9. exterior vent repair - $50010. broken window repairs - $50011. exterior paint - $3kone entire side is not renovated (which is fine - but still alone needs it's only 10-20K worth of work to make marketable like the other side - flooring, paint, appliances, and cabinets)estimated total without renovated duplex side: $36-40Kestimated total WITH renovated duplex side: $56-80Kwhat's making me think twice:lender and agent are close (not unusual)things that the appraiser DID NOT find compared to the home inspector made it a perfect pass for FHA loan.

But also mental health is something too take into consideration because I think by leveraging can cause stress and havoc.

Health is wealth, and life is never guaranteed.

The rental market is healthy enough that we have a slew of full-service managers to choose from.

Hope everyone is doing well and staying healthy.

Eventually I reached the place that I am now, a healthy middle point that no longer changes based on my current emotional state.

One way to market them is to emphasize their eco friendly and healthy benefits.

Anyone else isn't going to want to deal with that AND perhaps the biggest thing is helicals are only estimated on a soil condition.

You just take the total income of a property (usually just rental income) and divide it by the cost, which most lenders use what you said, the P&I + tax and insurance cost.Some lenders will take a look at the maintenance costs as well, but with a healthy enough DSCR that can usually overcome it.All that to say based on your original question, most lenders will vary a bit by what they would consider a ‘good’ cash flow, but 1.2 is pretty consistent.