Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

P&I payment: $716Origination Fee: $4500Underwriting fee: $1395 Hi Su,Yes, with the DSCR programs readily available today, I would say all of these are high.

I know them all happy to help .

The right loan officer can answer all your questions above!

FYI for all real estate questions regarding the Columbus market I recommend @jimmylieu - he is the BEST! 

I wanting to make a career change and was curious if it makes sense to do all , if not majority of the renovations and pay myself instead of paying contractors?

I personally would shy away from All State and State Farm.

Thanks all for advice.

If you have any questions on this you might contact a few local realtors to ask about annual appreciation over the past few years.)If after considering all these things you still feel the property will be a loss you should look for a different property.

If she won't answer you at all then that's her problem also.