I am a much bigger fan of just adjusting your rent and advertising to help tune your vacancy rate.

With credit tightening to a 680 for 95 LTV, I've adjusted to the rental market.

Teachers take a lump of clay and mold it into a priceless vase.Your thoughts would be appreciated on my experience and resulting opinions.I am aware that some of the credit and financial challenges of the 2000s were blamed on sub-prime lending and lenders using Adjustable Rate Mortgages.I feel the blame is shared by borrowers.

So are the banks starting to adjust or are people combining non-traditional and traditional financing for their Projects???

Or, at least it wasn't our only concern.Each investor and situation is unique, but some things to consider include:Historic/Recent GrowthFuture GrowthAffluenceCost of LivingEconomic stability and structureAppreciationVacancy RatesCrime RatesCurrent trends with hedge funds and other investorsAvailability of house-type that you're targeting (I'm looking for 3+/2+, newer)Climate (yes - weather)SchoolsI'm actually going through this process myself - you're welcome to read more in my blog post here.

Adjust the Tax Code - Either go to a flat tax or a national sales tax.

Faced with a high unemployment and interest rates, Ohio homeowners are having a tough time coping with their mortgage obligations especially borrowers who opted for adjustable rate mortgages.

Here are some common reasons why the estimated charges in your Loan Estimate might increase:You decide to change the kind of loan, for example moving from an adjustable-rate to a fixed-rate loanYou decide to reduce the amount of your down paymentThe appraisal on the home you want to buy came in lower than expectedYou took out a new loan or missed a payment on another loan, and your credit score has changedYour lender could not verify your overtime, bonus, or other incomeThe interest rate on your loan was not locked, and locking the rate caused the points or lender credits to changeIf your lender gives you a revised Loan Estimate, you should look it over to see what has changed”.

as far as taxes are a concern if you buy it right you can go back and appeal for adjustment of the taxes.I have done for most of my rentals. 

After you have established the baseline projections, make adjustments as you see fit.