You need to compare apples to apples.Mike

@Ben Berg with renting rates, roommates or a straight rental, you always look at comps, or comparable homes.

How are you comparing the cost of a new build to one with an existing duplex?

When you compare what houses are going for in both Mooresville NC and Greenville SC and what they rent for, it may make 0.5%.

Quit comparing yourself. 

These are examples of how you could still be comparing apples to oranges focusing on safety and cash flow alone.

I am not saying or comparing them to Norada, just saying that make sure you truly understand what it is you are investing in if you go this route. 

Yes, the credit utilization ratio does impact your scores (see below) but, if you're out of debt & not using your credit cards, you may not see a hit to your scores.Amounts Owed (30%): Represents your credit utilization or how much debt you owe compared to your credit limits.

I hope the comparative market analysis I just sent over view email helps.

It just makes life easier - they shop a variety of insurers and are more easily able to compare apples to apples because they know how the various companies present coverages.