I'm researching the Historic NorthEast (64123/64124) and Midtown areas (64109/64110) currently and was curious if there are specific locations in those areas to avoid, or other recommended areas.

Entitled 'Age of Easy Money' LINK TO VIDEOIn short since 2008 (when the previous/current system FAILED) we've had historically free money and arguably too much of it.

The publication argues, based on recently released appraisal data-sets, that current day appraisal processes bake the results of historic racist redlining into current home values.

All these efforts aim to revitalize the authentic and historic downtown into a vibrant, walkable 18-hour downtown.Downtown Ontario Retail Pop-up Program application submissions are due December 9, 2022.

I would pull historic similar duplex sales, even if they are old and see how the market has shifted since then. 

Anytime you have hyper price appreciation, there is a risk of not appraising at the current market value doe the the fact that appraisals use historic comps which may not keep up with current prices.

But if your expenses are driven by true estimates, historical trends that align with current conditions, and actual numbers based on your insurance quotes and real estate taxes due based on your purchase price, than I would venture that 58% is pretty accurate.If you are making a lot of assumptions vastly in excess of historical expenses or building an "extra large" buffer of reserves, then maybe you are being overly conservative.  

@Shannon Kearns hopefully you find out cut & paste info below educational:Beginning investors need to STOP believing all the fluff about rental investing, especially with the overheated real estate market trending to historic norms.

In terms of the occupancy, September and October are the lowest season in this area historically.

Here are some of the key reasons why:Appreciation: Real estate has historically appreciated in value over time, which means that the property you invest in could increase in value and provide a substantial return on investment over the long term.Cash flow: Real estate can also provide a steady stream of passive income through rental payments, which can be used to cover your mortgage, taxes, and other expenses associated with owning the property.Tax benefits: Real estate investors can also take advantage of a variety of tax benefits, including deductions for mortgage interest, property taxes, and depreciation.Diversification: Real estate can be a valuable addition to a well-diversified investment portfolio, providing a hedge against inflation and other economic risks.Control: Real estate investors have a high degree of control over their investments, from selecting the property to managing it and making improvements that can increase its value.Of course, real estate investing also carries risks and requires careful planning and management.