If you select an area, speaking to a local bank, they are dedicated to an area and many investors are getting some sweet deals on lines of credit.

I don’t necessarily have the analytical genius several gentlemen did before my comment, but, I don’t know that there has to be a polarizing & binary selection process between cash flow and appreciation.

I taught site selection for CCIM Institute for about 8 years so I truly understand the technical side of demographic analysis.

How do you select a good cleaner?

Steve, thanks for the feedback; in some areas competition is limited, so it's possible I'm stuck with negotiating :(     I did find another PM option, so I'll work with both and select the best one. 

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I know the crime maps are all over the place in Norfolk so I would probably have to be very selective.

I now am very selective when I buy as I don't really want more property.  

I bet the bank will regulate the appraisal (since this is a point of extreme liability for them they typically use an appraisal clearing house service that randomizes the selection of the appraisal from a certain pool of appraisers, so the lender needs/wants to use that clearinghouse service). 

@Daniel Riley we manage our own properties and know how important the tenant selection process is.