Except for the emergency room staff, who may or may not be hospital staff (they may rotate into the ER from their private practice), doctors are generally in private practice or belong to a larger office of physicians with admitting privileges at a hospital so they can use the facilities to perform operations.Also, you speak about the Affordable Care Act in the future tense.  

Christopher Haynes is an emerging space.

Emerging markets are where you can still buy from burnt out OLD landlords and reposition smartly, exponentially increasing NOI.Reach out to me soon Jen.

If unexpected weather patterns emerge, if an engine has issues, or any other number of surprises, the pilots are the ones who are responsible for the flight.

Thank you in advance.I have used signature loans and lines of credit to help purchase seller-financed deals or as an emergency fund. 

Zinnsser now makes a synthetic shellac called BIN2 which is not as nasty to use and far more affordable.Even after all of that, there have been a few studies which show that the nicotine and other toxins deposited on / absorbed into the walls and trim will eventually re-emerge on the surface.        

I'm open to taking risks but I'm more comfortable playing the long game and I'm experienced at working in systems and managing teams.Goal: Build cashflow (& equity) Strategy: Long term multi-family rentals in emerging markets), Budget: For my first property I'd like to stay under $150KMarkets: I'm looking into Philly, PA Cleveland, OH, Ft Wayne, INPlan: I'm reading multi-family millions, joined my real estate investor group, and planning on taking the BP multi-family bootcamp.

When I say that’s all that I do, let me tell you what to expect in the life of a landlord and all that they do. 3 am Christmas Eve Tenants call-Furnace went out.I get up, phone calls made, emergency call, expensive triple overtime to the Heating Contractor, Tenant has heat.

I’m a little over leveraged and don’t have enough in emergency savings now.

Owner occupied you’ll need less (smaller down payment) but you’ll have closing costs (could be around 3% or more of the sale price), should have reserves for an emergency (if you get let go from your job, tree falls on the house, etc.), repairs that may need to be done before renting out, having reserves for maintenance (landscaping, leaking faucets, etc.), and then showing reserves to a bank/CU/lender when you go to refinance and buy your next BRRRR.