“We expect unemployment to rise modestly next year, which will likely lead to an equivalent rise in borrower defaults,” said Senior Director Chris Grimes.

It is normal to hang a modest amount of items on the wall.

For example:General-Filters (furnace, air conditioning, oven exhaust, refrigerator, and water)-Stove burner when the “eye” needs simple replacement-Batteries and remotes that service the premises-Fan and light pull strings-Smoke and carbon alarms testing and batteries-Ensuring appliances are properly plugged in, hooked up, and used-Removing dirt, debris, and lint in and from connection pipes (e.g. clothes dryer)-Tighten loose screws on all home functions (e.g. doors, hinges, handles, socket -Balancing off-balance appliances-Cable, internet, and phone jacks-Fire extinguishers-Systems operation (e.g. security, irrigation, HVAC)HVAC-Monthly A/C filter and drain line maintenance Electrical-Reset “tripped” GFI breakers-Light bulbs (throughout and at the end of the tenancy)-Blown fuses-Reset breakers in the outside and inside breaker boxes-Socket and plug outlet coversPlumbing-Unclog drains or toilets-Caulking around tubs and showers as needed-Gas pilot lighting-Leaky faucets and shower heads-Toilet flappers, handles, seats and seat lids, tank lid, and flush kit-Sink and tub stoppers-If septic tank present, use RID-X as directed on consumer box-Proper cleaning of garbage disposal-Loose faucets and sprayer heads and hoses-Faucet filters (i.e. aerator)-Open exterior plumbing clean out when necessary (e.g. sewage backup)Exterior-Routine lawn (and pool) maintenance-Adjusting sprinkler heads as necessary-On the last month of tenancy, tenant must perform required lawn maintenance no sooner than 2 days prior to vacate dateThere’s a lot to consider as a landlord.

If I did the calculation using market rent using 50% rule it has very modest positive cash flow (~$500/month). 

Our goal is to sell the first plat with the house and use the money to build a modest modular duplex on the other plat to rent.We are both very inexperienced when it comes to building and renting, and need all of the information we can get- what are some unforeseen costs associated with building a modular?

You might get lucky.I'm dealing with my own issues right now as I have a 5 plex that is not nob and tube but is screw in fuses and the insurance company (auto owners) threw a fit and demand the fuse boxes all be replaced with breakers or they will drop me.I'm right down to the wire and they have issued a do not renew order until fixed because it has taken 7 months to get all the paperwork and consumers on board with the update.I have a really good electrician coming in two weeks now that he finally has his permits, parts and pieces, electrical company ready for the work to be done.The electrician warned that he was only doing this because he was friends with my PM.

This debt type would throw economic projections for economists and increase the risk of lending for lenders.Phantom Debt is created when a consumer chooses the Buy Now Pay Later (payment plan) option when making online purchases.These types of payments are not currently reported to any credit agencies as debt which is why they have been given the term "phantom."

I use Sam's Club for my STR consumables...Sam's Business card does not report to personal. 

That usually gives a consumer reason to believe there is fraud or something amiss. 

That's it.This past year, I had a tenant who expected me to restock the cleaning supplies when they were consumed.