If you are graduating from Medical school and starting a residency, typically you will match in March and get your contract in April/May. 

I am in the process of purchasing a 6-unit and am dealing with that same question of how to reduce heating costs, as the oil bill is by far the largest expense. 

@Tanya Maslach For properties in Ohio, it’s simpler to form an LLC in Ohio rather than Colorado, as it avoids registering as a foreign LLC and reduces costs and administrative work.

Thus, your profit margin is lower (than the all-cash offer), but your ROI is higher.Putting more than 20% down might reduce your monthly payment and debt-to-income ratio, but it also ties up more of your capital, limiting flexibility.

It's common for traveling medical professionals to extend their contracts.

Reduce Vacancy and Bad Debt.

I noticed I had vacancy in the column twice, so I reduced both to total 8% like you suggested.

This tells me two things: Obtaining a variance will be more difficult because there are already policy considerations in place intended to reduce density & (2) There is clearly an over supply of rental units in this area otherwise the overlay would not exist. 

In this case, I can see diversifying one's "cash" position across their home country's currency, gold, commodoties, and a few cryptos to reduce the risk of inflation on their portfolio.

These strategies reduce living expenses, offer easier financing options, and are ideal for college towns, urban centers, or large employers.