Yes ask him what's going on with the mail situation and also ask for references (if it's not too late).

Do a Google Image search for "debt free charts" and some different examples will show up.

If you can make the numbers work when you account for negative outcomes, you'll feel great when it's a positive outcome.Finally, when you're referring to an owner-occupied property having a negative cash flow, are you discounting that cash flow based on the income that is not coming in from your unit? 

Hi @Brendan Seals, It's very difficult to predict how tenants will act, but doing your due diligence and asking for references goes a long way and reduces the risk of having an unpleasant experience with a future tenant.

How do I check credit references as I am just an investor not property management company.   

The delays you refer to are pretty typical in the construction industry from my experience.

NO.Also, I'm referring about today's economy.

This month I had a tenant turnover so with cleaning and the screening of the new tenants, the old tenant referred the new ones to me, I will spend 3 hours total time on this.

@Andrew Bravo - Refer to the link below.

Make sure you ask for 5 references and that they have a good reputation amongst the real estate investing local community!