Now that he survived and the area is gentrifying, his rents have gone up 40-60%, portfolio is appreciating like mad, and life is very good again.  

By page 2 I'd fallen madly in love with them and was reaching for my chequebook.

Series of events and characters were investigated, from design, planning, engineering, testing, delivery, to the truck driver, to the fuel operator, to the artillery man.

Remember there are other drivers to increase yield such as depreciation, principal pay down with a loan, mortgage interest write off,etc.Some tax attorneys advocate a member of the family keeping the books so many hours a month to claim real estate professional status.

The only claim I've had was against a driver's insurance that crashed into one of my houses.  

Something that doesn't cash flow or has low cash flow day 1 in an expensive market will cash flow like mad in a decade or so as @Llewelyn A. eloquently put it.

If you graph the death benefit and cash value in a 5-pay design, it looks like this...If you think of the death benefit as the primary cost driver in a policy, you can see that from year 6 onward, there is very little cost in the policy.

I was purchasing as a non-occupant, and marked that box, but the warning is on the form.They can find out if you are really living there based on lots of things; what address is on your driver's license, where is your vehicle garaged on your insurance, the investor who lost out will drive by and verify and turn you in, what address does your employer have for you, where does your mail go, what address was your taxes filed with, what is your voter registration address, what address does your banks have, where do you have utility accounts, etc.  

But the driver is the master plan. 

If the numbers on taxes and insurance you showed above is for a Utah property then I think your insurance is very high (try Auto Owners) and be sure your tenants have a Utah drivers license so you can qualify for the tax benefit of only paying 55% of real estate taxes.