Most people just focus on rate and points, but there's prepayment penalties, term, extensions, payment options, draws, etc.

@Mindy Bowden AWR has a program officially endorsed by the city of Philadelphia at a cost of about $8 a month to ensure your water and sewer lines. this is special coverage negotiated by the city of Philadelphia which is more extensive than what AWR offers in other places.

Will you do interest only for 3 years and then refinance or ask for an amortized loan stretched over 30 years with a 20 year balloon.

The freeway extension that bypasses downtown, does that go through anything interesting? 

You do still have risks of course that the property will not perform, but with a solid property and business plan, those risks will be minimized.

If you can find a reputable property management company, that has extensive market knowledge, they will be worth their weight in gold.

I'm just an average joe investor compared to many on this site, but I'm an active husband, active father of 4 kids (all 7 and under), active community member, and still work a demanding performance-based full-time W2 job outside of scaling my real estate investments to where they are today. 

I think we all experience when we're stretching ourselves to achieve something great.

I appreciate the input from actual users on how well the system performs.

We're all in this real estate journey together and we ALL have properties that don't totally perform as expected.