Moral of the StoryIf your wife wants to be part of your team it will come naturally.

It would provide a huge boost for everyone.

That will boost his score drastically.

Conversely if you can manage to find long-term tenants, the rate goes way down.The moral of the story is that an accurate vacancy rate is certainly needed for long term projections however, the vacancy rate is also one of those things that is highly variable, and yet often controllable, where the most savvy find ways to manipulate it in their favor which translates into very real dollars.

The moral of the story is always get a contractor to look at your property and give you an estimate until you can accurately estimate repair costs yourself.

I don't know any HMLs who are willing to take a second lien position behind a bank, nor do I know of any banks willing to take a second position behind an HML, so if you're borrowing all these funds from banks and/or HMLs the chances are it's not going to work.If that's not the case and you have 80% from something else, then trick is getting your numbers correct on the rehab/value add to boost the appraised value far enough where your "all in" costs (purchasing price + closing costs + rehab + carrying costs) are less than 80% of what you need to borrow to get all the money back out of the property. 

There may not be enough to bother with.The moral issue, of whether you owe the money and should pay it, (which you didn't ask about) is another question altogether, however. 

As you already know I am new in the REI world but I have values and morals and I pride myself in being honest with clients.

What weapons do they have to boost the economy if the rates have already been cut to zero?

., TV commercials, radio ads, motivated seller website, SEO, pay per click/adwords, facebook, Linkedin, Youtube, and other forms of online advertising and boosted/promoted social media postings.Bottom line is consistency.