If it isn't then you likely can't count on it since they can just go elsewhere and not be charged for it.

That's extra profit and again, I wouldn't count it in the beginning.Good luck! 

Yes, and 4 years, five months and counting is correct!!!!!

I have an initial budget for 5,000 postcards and a 2,500 count list.  

Income is $65,000 plus $12,000 a year per diem (Is this counted toward income?

Ocwen services it, and they determined that I can afford it (of course, they counted the income from the rental and excluded maintenance costs).  

That is, if you know the address, the material information (e.g. bedroom / bathroom count, year built), and the estimated repair cost, you should be able to do rough comps in your head, without pulling MLS data!

I am getting out and my only income will be from the G.I bill which the banks do not count as income apparently.

You should also look up AZREIA.Rental deals are very hard to find in our market, most buy and hold investors I know are buying based on cash flow and counting on appreciation.

Count your costs and make certain you can get it done with what you have.