also many HOA dues also pay for some utilities (water, internet, pest). you start adding up all those costs to pay on your own, you may end up paying more than the HOA costs.

Otherwise, a good site, SEO, Ads, etc..Our best rev growth has been through local networking though 100%

There is a large network of contacts and guidance for those contacts.

Painting those cabinets and adding new hardware or updating the appliances may be better ROI.

I have learned a lot of lessons over the years and have added extra paragraphs to that lease.

This perspective is quite common in the MF sector, especially where sales comparisons are largely based on the asset's condition and financial performance (NOI which leads to a cap rate).When comparing two properties with similar capital expenditure needs, the industry standard is to evaluate them based on a cap rate.

Adding a rental property wasn't terribly complicated, once I wrapped my head around depreciation.  

If you are interested in how to decrease your Federal Taxes and increase your cash-flow, I can help with no-cost consulting or studies specific to your property(ies) whether they are small or large and anywhere in the US or US Territories. 

The more you're around and adding value to mentors, the better off you'll be in the long run.

So If I understand this I would be looking at base rate +4.125 then whatever additional rate the lender is adding on, minus points to buy the rate down?