Cash flow is just one component of returns and you won't get rich on cash flow alone.

That's not entirely accurate, mortgage rates are based on a wide basket of investment options which does include the 10yr, but also a number of other components (such as LIBOR and GSE debt).

The FICO model components can be found here:http://www.biggerpockets.com/renewsblog/2008/01/30/how-to-score-big/PS - I am trying to be careful to only use links to BP material here, due to ______ ....

The loan is just one component of the car.

It should be, at most, a starting point for your own research.1.A current rent roll dated no later than 30 days prior to the date of Seller's execution of this Letter of Intent, which rent roll lists at a minimum: the unit number, unit type, tenant name, date of lease, amount of monthly rent, amounts of any delinquencies, lease expiration date, and all security and other deposits.2.Detailed operating statements for the last two (2) calendar years, year-to-date detailed operating statements, and the Property's approved 2013 budget.3.Real estate tax bill for the last two (2) years on the Property (2011, 2012).4.Copies of any building plans and specifications and construction drawings in Seller's possession.5.Copy of Phase I, or all environmental assessments, reports, studies and tests of the Property.6.Copies of all contracts for services covering or affecting the Property.7.Copy of all engineering and related construction reports covering the Property, together with all warranties and guarantees for work performed at the Property.8.Copy of existing title policies and title commitments, including the Property's legal description and legible copies of all documents listed as exceptions and encumbrances to the title of the Property.9.Seller to provide current certificate of insurance.10.Summary of all capital improvements completed during the previous two (2) years for property.11.Copy of any government inspection reports (description and status of any violations)12.Copies of all tenant leases.13.Copies of the utility bills (electricity, water, sewer, gas, telephone and trash) of the Property for the prior 12-month period.14.Details and a list of all insurance claims (past or present) for the Property.15.Copy of the most recent appraisal.16.Copies of properties’ tax returns for 2010 and 2011.17.Copies of monthly sales tax returns for 2011, 2012 and YTD 2013.18.Copies of any capital project warranties if any.

They often have a big internet business and "teaching" component.

Pay, except as provided elsewhere in this Agreement, all expenses incurred by the Agent, including, but not limited to, reasonable attorney’s fees and Agent’s costs and time in connection with any claim, proceeding, or suit involving an alleged violation by the Agent or Owner, or both, of any law pertaining to fair employment, fair credit reporting, environmental protection, rent control, taxes, or fair housing, including, but not limited to, any law prohibiting, or making illegal, discrimination on the basis of race, sex, creed, color, religion, national origin, age, marital status, or mental or physical handicap, provided, however, that the Owner shall not be responsible to the Agent for any expenses in the event that Agent is finally adjudicated to have personally, and not in a representative capacity, violated any such law, unless such acts and or omissions are outside the course and scope of Agent’s duties hereunder.

Your local real estate statutes or landlord tenant handbook should clarify your responsibilities, but removing wildlife from the inside of the building is not an unreasonable request, and squirrels will do plenty of damage to wiring and other building components.

There is a component of our electric bill that covers running the well pump and we must purchase salt for the water softener but water bills are quite high where I live and are constantly increasing.

If I'm doing an FHA loan then it's typically $5m and up and has some component of affordable income, senior or health related living.