Also, you may charge a premium on the rent (higher rent) in this model of leasing.If you charge them a higher upfront option fee, it will demonstrate that the buyer is committed reduce the likelihood of default.

I am in the process of purchasing a 6-unit and am dealing with that same question of how to reduce heating costs, as the oil bill is by far the largest expense. 

@Tanya Maslach For properties in Ohio, it’s simpler to form an LLC in Ohio rather than Colorado, as it avoids registering as a foreign LLC and reduces costs and administrative work.

Once you have multiple crews going at once, labor costs can get out of hand very easily.

Thus, your profit margin is lower (than the all-cash offer), but your ROI is higher.Putting more than 20% down might reduce your monthly payment and debt-to-income ratio, but it also ties up more of your capital, limiting flexibility.

Reduce Vacancy and Bad Debt.

If you are doing the work and labor it reduces some of the risk but to me we won’t let at that high a ltv

I noticed I had vacancy in the column twice, so I reduced both to total 8% like you suggested.

This tells me two things: Obtaining a variance will be more difficult because there are already policy considerations in place intended to reduce density & (2) There is clearly an over supply of rental units in this area otherwise the overlay would not exist. 

In this case, I can see diversifying one's "cash" position across their home country's currency, gold, commodoties, and a few cryptos to reduce the risk of inflation on their portfolio.