If you weren't clear on your finishes, he may be assuming a much lower level of quality than you were.

I would want to be my own property manager which doesn't scare me much as I have good people skills and good maintenance skills.I'm concerned about getting financing at my age and at my income level.

They will require a personal guarantee.Non-recourse debt is at higher loan levels.2 years from now might not be the best time to buy commercial.

You can control insurance expenses by adjusting your level of coverage.

There is a  2 bed, 1 bath ( 1 level) condo at 150k and another 3 bed, 2 bath ( 3 levels) with garage at 250k .

So I am sure you will do GREAT and bring it to another whole level of CRAZY!!!

Robust home sales activity across Ohio in MayOn June 22, 2015 By Carl Horst, OAR Director of Publications/Media Relations The number of homes sold across Ohio in May rose 10.8 percent from the level posted during the month a year ago, the market’s ninth consecutive monthly year-over-year gain, according to the Ohio Association of REALTORS. 

There's definitely a place for "casual" and some humor in direct mail letters, but we still have to maintain some level of professionalism to make sure folks more mature than we are take us seriously.  

But I can say from experience that in NYC it is tremendously challenging and expensive (for the landlord) as legislation was passed at the state level in New York a few years ago, and then enhanced even further in the city specifically.1) 60% (or 51%?

I think it is because they are stacked one on top of the other and each residence is a whole level of the building, whereas a duplex is usually side by side.