@Joshua McGinnis If you're using HML, with points and interest, you need a healthy profit to be able to justify it.

We've had AC, furnace, flooring, roof, etc. issues that would wipe out that amount (and more) at once.I would plan for a healthy reserve fund and consider increasing desired net cash flow, and clarify gross vs net in your assumptions.Good luck with your next steps.

I'm looking for a buy and hold rental with healthy ROI and cash flow.

Right now my parents' health is good, Thank God.

You can toss out a healthy increased rent figure that would make it worth your while and require the pet deposit or one time fee.

(coming soon...)In short, stick to solid healthy markets (economics and housing), then stay within good communities that have like-new properties.

What all the others said plus a nice healthy EMD.

I hope the link below works:http://shine.yahoo.com/healthy-living/landlord-ordered-to-pay-tenant--800k-over-bedbug-infestation-182955308.htmlThe chemicals that really control bedbugs well are illegal.

Many ppl are afraid of losing their jobs, healthy insurance provided by the corpation for the family definitely weighs heavy.

Joe O I read the forbes article and it is good to hear some optimistic statistics. "...When adjusted for inflation and compared to the market’s pre-bubble 1998 performance, Las Vegas home prices are — despite double-digit percent gains over the past year — still 20% below their pre-bubble healthy market norm....."