@Ed Wood does that affect all banks and all types of loans?

Along the way we have been affecting overdue maintenance and upgrades to their unit.

I have no mortgage on this house, but am still affected adversely affected.As far as getting out before rates increase as you've suggested -- unfortunately, that doesn't seem to be a viable option.

My question is if we buy a property with my cash can we then refinance with a US bank and buy second rental property and keep repeating this step.

Like @David Krulac I fall in-between the polar points expressed here.Though we hold mostly multi-family properties, we do have a few SFRs which are student rentals at this time.In the case of a property that may be sold to a retail buyer, I agree that you would wait until you were preparing for disposition to affect the final cosmetic renewal and possible quality upgrades (i.e. moving to soap stone counters in the kitchen).That said, we look to affect efficiency retrofits early in our ownership of a property - usually at the first opportunity provided by turnover.

I know I have a great lead when people call and repeat lines from the postcard - over time, you can tell what resonates with people and gets them to call...As far as the MEDIUM - the 2 best producers are pay-per-click and direct mail to owners with equity....

The owner is responsible for a certain percentage of the cost otherwise they'd deduct the cost from the asking price (something to that affect).

If the property was vacant for a couple years would it affect your life style?

How much will the area be affected by Detroit's woes?

I think my credit score is low 700's , will that affect things?