From a fire at a nearby property and resulting damaage to The Shelby", to delays in fire damage repairs due to Covid 19 restrictions, to renters not paying rent due to Covid 19, to an approx. 20% vacancy rate, to insufficient reserve funds, to an obvious lack business loss insurance -   Passco continues to underperformance on every statement they made at their seminar - from the safety of the investment based on their previous track record, to the expected annual distrubution amounts paid out. 

Since my current savings are insufficient, I want to use leverage to increase my investing ability.

Some will be vague - if the paint is watered down, or insufficient to cover, which you see a lot around here.

In some cases, if the job was performed in sufficiently, it may be necessary to rip down and start over in extreme cases.As to the permitted storage attached to the unattached garage, you can easily convert that entire garage and storage to an ADU and whoever quoted you $70k just for the permits is either on crack or trying to rip you off.

"--------------------------------------------------Insufficient information, as others have undoubtedly said already.What are your alternative investment options, and what risk are you willing to accept?

I know that can be common here in NYC but in other parts of the country, it’s usually an easier process...I typically look for 2 months of the most recent pay stubs in addition to the photo ID from the majority of applicants, only in cases where pay stubs are insufficient to verify the reported income (self employment, variable income (tips or overtime for example) do I go down the path of looking at the recent taxes/bank statements.

Tenant management is difficult, city services are lacking, police protection is insufficient, and the usual bailout of increasing value appreciation may be absent.

.- Outside lights burnt out- Stoves that don't light but always light no problem when I'm there- Missing screens, that tenants have destroyed and then throw the frame away to hide it- Top pane on double hung window drops when unlocked- Insufficient heat in a room, that's a fun oneIn our parks;- Rise of more than 1" in sidewalk squares- Not having vehicle stops in front of gas meters- Vehicle set back from homes- Pedestals not secureThese are just some that come to mind but there is a laundry list more.

The HUD changes were specifically meant (check their wording) to address the flagrant fraud involved in the whole ESA scam, and to make the requirements harsher, in fact stating that an online letter, by itself, is not adequate to establish the right for an ESA.Reasons a Landlord can deny an ESA:1) It causes a financial burden2) It causes a potentially dangerous situation3) It causes a hardship to neighbors4) The building is 4 units or less and the landlord lives there5) The property is a SFH rented without the use of an agent6) The ESA has caused significant property damage in the past7) Insufficient or fraudulent documentation is provided8) Illegal breedsHere is a good, fair site for info devoted to landlords: https://landlordgurus.com/emot...

Late ones sometimes, but the auto collect will also auto "late fee" them for insufficient funds...and let you know about.