Hi @Denise Munoz, @Matthew Paul is more than likely correct, most people do not differentiate between the two.

If anyone reading this just so happens to have that bone please reply so that we can see if our goals align and i can become a landlord very soon.

Can you tell me if I fed the calculator the correct inputs.

In the process of doing this BRRRR I had to deal with a broken water supply line at 6 am, a roofing contractor that didn't do a good job and left my roof leaking in various spots, and a call from my new tenants saying that the house was flooding because apparently, as we found out later, the plumber didn't weld the copper supply lines to the shower valve correctly and water was coming out from the wall.

Sorry for the late reply everyone and thank you for taking your time to help.

Real estate agents have NO CLUE as to what is correct and legal!!!

Thanks for you reply.

You are probably guessing correctly, they probably locked themselves out and broke in themselves but you can't prove it.

I will let you know what my options are when I find out and maybe you could assist me in pursuing the correct option. 

Thanks for the replies.