For my smaller places I buy a 4-roll pack of acceptable lower quality t.p. for each toilet. 

I've had many transactions where I received pro rated rent and security deposits from the seller.

The insatiable hunger for mortgage-backed securities created a need for lower and lower qualified borrowers, which ran up prices.

There are some lower priced (I understand "cheap" doesn't always mean "value") condos in my area, and after running some numbers, I feel I can rehab and rent them out to cash flow in the low hundreds (after expenses, commons, etc).Anyone have experience in this before?

The area is lower income/rougher but I don't consider it dangerous.

With it being only 2 years old(just replaced my roof this month with Class 4 Impact resistant shingles), do you think I can lower those "%'s" or should I keep them at 5%?

Disadvantages - higher tax rates (income is taxed at your marginal tax rate and not on capital gains which is a lower rate).

The only thing that it could do is lower the amount you can borrow for the investment due to increasing your DTI, but 10k isn't that much. 1.9% is pretty low and should be easy to out perform the debt...

Smaller brokers are likely to have more flexible terms, lower fees, and might be able to give you a better commission split.

Hey Rob,You will be hard pressed to find duplexes, triplexes or a fourplex in Toledo in a decent area at a solid price.After buying hundreds of properties over the years, those types of deals are a dime a dozenFor whatever reason they hold their value and not many folks are willing to sell at a discount.I suggest not investing in lower class assets from afar as it's just too volatile.The paper numbers look great but real life is a different storyMuch success