That is a great number and bond markets love it.

I've spent a lot of time on the pro forma as well, but a lot of the assumptions are based on the Houston market which I'm a lot more familiar with.Does this seem like a viable plan?

This is a high risk investment for anyone to consider and your best bet is to find a long-term job and qualify on your own.1) Two people applying for a mortgage will go against both applicant's DTI in full.2) What if there is no cash-flow and no equity/ appreciation.What can force you to sell the property keeping her in a bad investment3) What is the market turns and you are not able to refinance the property?

Great place to live -- not so much when there is little to no leverage to purchase my own home, burn rate goes very quickly, or perhaps I don't know enough.I follow Brandon Turner, BiggerPockets, Grant Cardone and have attended both his Real Estate and Sales & Marketing talks.I would like to get into real estate to one day either purchase or build my own Home Recording Studio.

Predatory bait-and-switch tactics.

(Note - No tenants will be sucessful moving with only 30 days notice in this market. 

Natural disasters, higher construction costs, and a competitive insurance market are driving these increases.Review your current policy to ensure you’re properly covered without overpaying for unnecessary coverages.

In general, what is the strategy for choosing rental terms in the current market?

Are you talking about your local market or just real estate in the US in general?

I operate in 7 markets and in each market we have a quality control manager or runner, a cleaner with at least 2 backups, and a handyman/woman.