From what I remember on that job, the bank wanted the package appraised for internal purposes and as they were all rental households operated by same owner, in the same small town Ohio, we were able to knock out like 128 units (mixture of SF and MF buildings) as a "single economic unit", or operated as an apartment essentially.

We have hit a few snags with one of our newest projects thanks to the Kitsap Dept of Health and we are looking for some creative solutions and ran across Bigger Pockets. 

But once you 'get it', then it all makes sense and you can understand your economic status with the "Company Snapshot" and move on for the day.

My lender says I have to be able to cover a certain percentage of my rental properties mortgage payments from my personal (W-9) income to allow for vacancies, economic downturns, etc.  

I pray that you will be granted continued success and improving health for all! 

In order to get septic approval the County Health Dept requires that we use one of their 'certified septic planners' to do a site visit, take measurements, dig test holes etc. 

Much continued success, health and happiness in the coming year!!

Risks can be mitigated by knowing what you are going to do in various economic environments, and making sure you have a plan.

It might be something to do with larger-scale economic factors (city heavily relies on a large employer/industry sector), or might be due to some sort of new local issue, or, again on the employer bit, maybe there's a large number of military families living there that are being transferred (I'm not military, that might not be realistic).Whatever the underlying issue is just do your due diligence finding out what it is.

My passions are travel, personal finance, and health/wellness.