Hi,I own a coffee shop in Toronto, Canada.

you pay less when you purchase the house during the winter months. kids are in school, holidays, shopping, etc.but that also applies when you want to flip. i love buying houses in the winter months cause i am the only one looking at them. lol

In other words is the seller or management company "cooking the books".Example.1.Taking money from another account and making the tenants look like they are paying on time and in full to show 100% occupancy.2.Giving rent credits like first 1/2 month off apartment rent,or full month rent off,or no security deposit,pet deposit,etc. to inflate occupancy.3.Retail leased properties where market rent was 18sq ft but the landlord is selling because lease is coming up for renewal and if tenant doesn't get 12sq ft they will upgrade to the new grocery anchored shopping center that used to be 22 sq ft and is now 18. 4.Watch out for pre-foreclosure volume and foreclosure volume for your area.What I mean is when a buyer purchases a distressed property for below market value they can then rent at a lower basis and still make the same or better profit than you.I have seen this first hand.I have seen rents for apartments 2 bed be 650 a month.Then a few foreclosures happen that buyers purchase cheap for cash.They come on the market and rent for 550 a month.The buyers rent low to get the best tenants to choose from and build occupancy quick.Then over time they will up the rents.What this does is put tremendous pressure on landlords already hurting that have high debt service loans.Then those get foreclosed on and a domino effect happens until the market settles.So my main point is don't count on current rent or future rent.I look at where the market is going and correcting to and buy really low so you have room in case the worst happens.This will exclude many properties.If you make great income form other than real estate and just want a tax shelter with pay down etc. then you might look at it differently.

I shopped around quite a bit (considering quality and cost) since I generally like to select a vendor and then use that material moving forward (for all projects).Home Depot stocks 4 colors of Lifeproof Luxury Vinyl Plank Flooring, and they offer several other colors with 1 week lead time.

The main thing to realize is that this is a very rough estimate; based on your market (property taxes, utilities, etc), you can change from 50% up or down so that your estimate is closer to your actual expenses.Insurance is based on your own shopping around - I include all insurance as one lump sum in my calculations.So when you're talking about getting an accurate number for your more in-depth studies, you need to make sure you consider the "normal" incomes and expenses.

So factor in at least 3.5% of the purchase price for that loan, along with closing costs that you can shop around (ask your bank v. credit union what % is their typical closing costs).

For something like this, always shop around. 

Then there is the rack at the grocery stores, during shopping trips I hang there until I'm needed.

Their folks pass them a beaten down van to replace the one lost, less than a month after that, the lenders on the van come to do a repo, at least he won't have to put it in the shop to get it repaired, he thinks to himself.Just as the wife's health begins to return, she reports to him that jr is going to have a playmate.

Best way is face protection for you and a HEPPA filter on a good shop vac. preferably vac placed outside with enough hose to get inside!!