@Barry Ruby, you are exactly right that only FEMA isn't keeping there "flood risk" current (likely more people and properties are exposed to risk, however only the smart carry flood insurance. 90 percent of those flooded in both Harvey and Florance didn't have flood coverage because they thought they were safe since they were not required to carry flood insurance by their lender Cost of flood insurance for areas that are not required can be as low as $62.50 a month maybe even lower.

I think you are smart to focus on NWI for the reasons you mention, and that there are just better opportunities. 

I use the accounting software in my property management software, Smart Property Systems. 

Nathan G’s advise sounds like a smart plan of attack here in this situation

MICs now play an increasingly important role in catering to underserved niches because the new regulatory environment has created many gaps for borrowers.Not only has the MIC sector grown in size in the last five years, but it has also evolved from being a minor player in the market to becoming far more established and professionally run with significant investment in infrastructure and technology, and improved regulatory compliance.

What is your opinion of Trans Union Smart Move credit and background check service?  

I figured there was a reason the smart securities attorneys never really cautioned us about this.  

I'm not 100% certain this is the ideal BP forum for this question, but "Real Estate Technology" seemed like a possible good fit)

I’m new to investing but would like to know if anyone has had experience in rental properties in Albany NY will it be the next big market ?

I think it just results in smart people watching things happen.