You should set up a separate account for your cap x expenses and your annual vacancy rate. 

You get better interest rates/loan terms. 

You may have unknowingly lost your 122 exclusion, have only a pro rated one, may not qualify for a 1031,etc, etc.

It does save you money while pricing out a loan since there are less hits to the rate. 

The reality is with a low down payment, with current rates, properties will be cash flow negative when you move out. 

We’ve worked diligently with our carrier partners to keep rates stable for many years.

If for example you reduce the rent and remove a concession (e.g., last month's rent free)), and someone starts an application at the old advertised higher rental rate + concession but then completes the application after the change (lower rate and no concession), is there a rule for which you must honor? 

_r=0&abt=0002&abg=1Here’s my synopsis: We are all involved in real estate because we know how to, or we are trying to learn how to, generate a secure and attractive rate of return on our money.I regularly double or triple my money or more buying and selling vacant land.

(BizJournal)Today’s Interest Rate: 6.91%(👇 .18% from this time last week, 30-yr mortgage)Economic CheckupThe economy is looking strong, and we always want to strongest economy we can get right?

7% rate is WAY TOO LOW for the risk your Mom takes.