Base case: property tax cap / limited new city supply should support current rent with inflation adjusted rent growthUpside: U of Rochester and RIT could lead to area job growth; high mix of millennials

If you have to inflate comps to make a deal appealing, I don't want to see it.The consistency is very important.

As time goes along and your investment goes well due to your tenants paying their rent as they should and the home going up in value due to inflation and market appreciation, COC becomes less relevant.For example, if you purchased a property with $22,500 down payment, $5,000 in closing expenses, and $2,500 for some touch-up paint and new carpet, you are all-in for an original investment of $30,000.

Technically, they can't give you false info and fake numbers, but they can inflate them within reason.

And then their dscr number tends to be 1.2 to 1.25.But b2r's numbers are really so inflated, it makes me wonder why these goofy lenders don't just have a standard calculation for dscr and then adjust their guideline number to their own risk tolerance.Then they'd be comparing apples to apples.b2r must think they're geniuses by advertising a dscr number of 1.15  - as if they're so much better than everyone else.  

They are bubbles, over inflated.. dont get greedy. 

There is no sense in inflating a property on paper if it won't work in real life because then we all lose. 

With easy money rates close to the true inflation rate, many PIs follow the lead of Google, Microsoft, Apple, etc.

Realistically lending is never going to be cheaper.Equally if you leave your cash in the bank and get less interest than inflation you are loosing money waiting for a time that 'Might' be a better deal......Get a great deal now and enjoy the rental income and watch the market safe in the knowledge you are making money every month and will certainly profit on the market value over the next 10+ years.....Research, grab a calculator, start haggling and buy your way to financial freedom. 

If inflation gets worse, I could see places like Portland instituting new laws that harm your ability to make a decent return.