I use info from these sites as a general gauge / starting point and combine with insights from my realtor.As I mentioned in my original post, I chuckle because my realtor seems to hate them with a passion and not trust anything they have to say.

I am not the expert that others are but my thoughts- young sponsor never been through a downturn.   

I'll make sure to enforce that, I just like to get additional insight from other investors about how they apply late fees.

Can anyone provide insight into the Northern Liberties/Fishtown rental market in Philadelphia?

@Matt Leonard and @Carolyn Fuller thank you for these insights. 

(with a single gas and electric meter)I am looking for some expert who could help me rezone this and  convert this to condos  or multiple units with separate meters.Please recommend

I'm no expert on this topic, BUT, I know in Oregon the law is written so that the only legal place to smoke is in a private home, which could obviously have an impact on a rental property.

Looking to get some insight and lessons learned from others.

Again, if we are only considering the affect on credit scores, and with all the caveats about speaking to the experts in your specific area:  If your business is new, it may be beneficial to go that route and establish a business credit profile for future business transactions. 

I’m here to ask the experts which route I should take, if any.Basic details about me: I’m 34, recently married and no kids but planning to within the next 2 years(this detail is just for you to know that I don’t have much restrictions on moving aside from commuting)I currently own a coop in Yonkers, NY with roughly 50k in equityI am willing to invest in the tristate area but if I have to live in the property I have to limit my distance to Bronx, Westchester and Connecticut.I also have enough saved to buy a 275k property with 20% down or the max allowed with an FHA loan (this is without having to sell my coop)I have excellent credit which will qualify me for loan without an issueThe way I see it I have 3 options in order to get started: Sell my current coop, buy a triplex in a worst neighborhood with more TLC needed, and move to into the property for at least 2 years to qualify for an FHA loan.