ter...Assuming you do not have any monthly bills and you are looking at a FHA duplex that the other side rents for $1k a month it will be as follows:Monthly Income = $3,791Monthly Rent = $750 (75% of current rents)Total Monthly Income = $4,541Multiple by 45% = $2,043Taxes and Insurance = $275 (I looked on redfin in your town and used the average for duplexes under $250k)Left for P&I payment = $1768Interest rates depend on your credit but a good ballpark for FHA is your payment will be $575 a month (with PMI) for every $100k you finance. 

Here is one example from my area: http://www.zillow.com/homedetails/607-Tindel-Ter-Cabool-MO-65689/2109151020_zpid/ It is overpriced at $59k (I wouldn't pay 40 for it) yet Zillow says it's worth $139,582.

If they are a serial ********ter, they will try to talk out of that.

@Brad Ter Beek, I left the service in 2008 and what I found out was law enforcement offered the best option here in Connecticut for the most part ( You can look online). 

Now the insurance paid one and the city is big enough that to absorb the loss but money is money AND each of these cases could have COST Hundreds of thousands more if they'd gone to court just in the legal fees.Just my opinion,  but even if the tenants are ********ters the Fair Housing people HUD, etc, can impose penalties JUST because it was handled wrong. 

I'm certainly interested at networking, share tips and experiences, and bounce ideas off fellow BP-ters.

https://www.zillow.com/homedetails/22-Vernon-Ter-Poughkeepsi...

I do and af ter I have either made my comment or finished reading, I just close the extra tab.

Our most recent purchases were duplex (10313 E 39th Ter KCMO 64133) purchased for $115,000 with rents of $875 & $825, we are also closing on an 8-plex in St.

(mi) 8100 Steadman St $369,000 12/28/07 4 2 1,100 $335 0.1 8105 Keeler St $419,420 12/14/07 3 3 1,377 $304 0.21 8141 Keeler St $380,000 12/07/07 3 2 1,360 $279 0.35 8236 Frye Rd $500,000 02/01/08 4 3 1,662 $300 0.47 8011 Ashboro Dr $307,937 11/19/07 4 1 960 $301 0.46 8007 Martha Washington St $360,000 10/01/07 3 2 1,128 $319 0.74 8106 Norwood Dr $415,000 11/14/07 3 1 1,533 $270 0.62 8409 Highland Ln $415,000 12/28/07 4 2 1,794 $236 0.72 8130 Keeler St $295,000 09/17/07 5 2 988 $298 0.43 7819 Ashton St $265,500 12/04/07 2 1,046 $253 0.82 8708 Lea Ln $450,000 11/29/07 3 2 1,293 $348 1.11 3904 Quisenberry Dr $578,000 09/14/07 3 2 1,554 $371 1.18 5627 Cornish Way $467,500 12/17/07 4 2 2,300 $203 1.36 3602 Rolling Hills Ave $400,000 10/22/07 2 1,352 $295 1.19 4300 Granada St $530,000 01/04/08 4 3 2,310 $229 1.1 8712 Lukens Ln $430,000 12/13/07 1 1,014 $424 1.21 3434 Ramsgate Ter $420,000 12/27/07 3 3 1,296 $324 1.58 8709 Falkstone Ln $549,000 09/21/07 4 3 1,876 $292 1.15 8704 Gateshead Rd $500,000 12/21/07 5 4 2,352 $212 1.17 4206 Sonia Ct $605,000 10/16/07 4 3 2,420 $250 0.81 7603 Kingsbury Rd $511,000 10/25/07 3 2,226 $229 1.35 8321 Blowing Rock Rd $450,000 12/20/07 3 3 1,380 $326 1.88 8402 Cherry Valley Ln $483,000 01/30/08 5 3 1,463 $330 1.74 8730 Talbott Farm Dr $500,000 02/05/08 4 3 2,087 $239 1.26 4335 Rolling Stone Way $463,000 10/04/07 3 2 1,752 $264 1.74 3911 Gibbs St $500,000 10/02/07 4 2 1,654 $302 1.46 7105 Green Spring Ln $540,000 12/28/07 4 2.5 2,469 $218 1.64 5511 Butterworth Ct $525,000 01/17/08 5 3 1,766 $297 1.64 7402 Fairchild Dr $415,000 11/27/07 2 1,120 $370 1.87 5804 Sunderland Ct $530,000 09/26/07 4 3 1,620 $327 1.57 3404 Little Hunting Creek Dr $400,000 11/29/07 3 1 1,375 $290 1.62 8604 Cherry Valley Ln $487,000 01/23/08 5 2.5 1,654 $294 1.88 8800 Black Alder Dr $665,000 12/18/07 6 4 2,550 $260 1.31 8502 Cherry Valley Ln $515,000 02/11/08 4 3 1,658 $310 1.82 3441 Little Hunting Creek Dr $417,000 11/29/07 2 1,262 $330 1.77 7029 Polins Ct $460,000 01/25/08 3 3 2,022 $227 2.02 7022 Polins Ct $427,250 10/31/07 3 2 1,328 $321 2.08 8601 Wagon Wheel Rd $470,000 11/29/07 4 2.5 2,800 $167 1.8 3118 Little Creek Ln $454,000 01/28/08 4 3 1,654 $274 2.02 8919 Union Farm Rd $173,333 01/25/08 4 3 1,130 $153 1.55 7013 Polins Ct $465,000 12/03/07 3 3 1,387 $335 2.1 5820 Broadmoor St $538,200 10/19/07 4 3 1,632 $329 1.69 4432 Flintstone Rd $459,900 10/02/07 4 2 1,839 $250 1.91 9040 Buckner Rd $500,000 12/14/07 3 1,516 $329 1.77 6840 Stoneybrooke Ln $375,000 11/21/07 4 3 1,360 $275 1.93 6805 Lamp Post Ln $502,000 12/18/07 3 3 1,403 $357 2.16 4021 Cool Brooke Way $588,500 11/27/07 3 4 1,697 $346 1.79 5206 Cedar Rd $565,000 10/02/07 4 3 1,845 $306 1.5 7519 Berwick Ct $435,000 02/01/08 5 3 2,648 $164 1.71 7000 Dreams Way Ct $600,000 12/27/07 4 2.5 2,607 $230 1.79The one's I've highlighted in red are the one's I'd be checking to see what they look like outside.