Usually the better areas have the lower cash flow returns in Baltimore. 

I'm thinking rents are probably lower there, but also so are the home prices.

you can use your extra depreciation against your active income to lower your income tax liability. 

That's the SIMPLEST way to increase yield: Lower down payment.

I would like to do it in the Chicago area (more-so the Southside where I’m from) or else the surrounding suburbs.I am in the process of currently refinancing my student loans to lower the interest rate.

I was looking for any recommendations of ones you have worked with that have a very good track record -I am looking to have a dialogue with one or two to see if it makes sense particularly in the areas of "C" or lower ranking properties -thanks in advance

- Usually hard money will offer between 7-12% with lower rates offered to those with more experience, better credit, and more capital contributed to the deal.

We only have 2 months of data, and I'm sure November and April are going to be lower as those are traditionally slower periods in the White Mountains.  

When I called the gas and electric company, they gave me significantly lower numbers.

Which was always 15% lower than what they thought.