That would mean an overall adjustment of 9.4 percent each year.But the new rate structure would greatly reduce this impact for Baltimore’s more modest water consumers.

Something newbies often don't consider is the impact os small rent increases on your CoCR.

Remember, this is not a high dollar home, and we don't feel it will warrant a lot of money here - but we are willing to spend a little more on the door as we think it will have a big impact on curb appeal with this little place.

I don't think the hard check will impact it very much but they definitely don't help.

What is negatively impacting the score?

I have moved this discussion to the appropriate section of the website - this post can be followed under the Tax, Legal Issues, Contracts, Self-Directed IRA forum athttps://www.biggerpockets.com/forums/51/topics/345017-tax-impact-of-renovations-on-a-duplex---useful-lives

The length of time will impact whether it makes more sense to ROFR, to worry about factoring in potential material shifts in appreciation, etc. 

The original electrical would have been installed to run a few incandescent bulbs, a radio or two and perhaps an early appliance and was not designed to handle today's electronic demands.Another thing to keep in-mind, depending on when the property was converted to apartments, is that the conversion may not - quite likely will not - meet current fire codes, which will both impact your insurance rates and your renovation costs when you do undertake a substantial rehab.That gorgeous exterior, with it's clapboard/shakes (or era brickwork) and elaborate trim will be high maintenance - that does not mean it's not "worth it", just that you need to budget accordingly.Personally, I enjoy performing deep energy retrofits on these old buildings (which can be very solidly built), but it can be an involved and costly experience, hence we are always looking for the unloved and run-down which can be purchased cheaply.If that house has been 200+ days on market - and no other landlord or investor has touched it - tells me there is a problem with the value proposition of the deal.  

Because when you find its time to buy a property, you want your DTI Impact to be as small as possible.Living in NYC is going to be a blast, but is unlikely to help your finances.

It didn't impact me for refinancing much because I have a pretty high income from my primary job so the impact on the debt to income ratio was minimal.