Huntsville is becoming less cash flow as prices are going up very fast, bc investors anticipating growth, so more of a hybrid market right now. 

I'm doing just fine and anticipate I will continue doing fine.

And then the big "X" factor to it all, which I anticipate/project with total certainty is the normalization/securitization of the 40yr mortgage, for political gain but painted as "to help the people".  

It's advanced research development and increased use as an alternative to lethal poison gas is anticipated to continue to be a public growing favored preferred treatment decision well into the future.

I know of a location where you could buy brand-new free and clear homes and generate almost the same anticipated net income as you are projecting here and have fully managed , turn key properties.The part that scares me the most is when you said you really don't know what you're doing.

Since it is non-refundable it is considered income and is basically a pre-payment for future anticipated damages such as extra cleaning. 

It neutralizes when the repairs were done on any property when running the numbers, and ensures if one of those larger expenses arises sooner than anticipated you're still profitable since you've accounted for it.

In anticipation of such an issue, had the coworker open up a separate joint account with him, in a year or two, the money in their account would count as seasoned cash, and he can show it to any banker, saying "hey, I got a passbook with $20K, or whatever, in it".

Right now, I have really started looking at rougher areas especially in Southeast Hillsborough County where I anticipate a lot of the growth to be. 

He is no longer my partner (though the one person I would call my friend) as this was way more work than we anticipated and he works full time so he couldn’t commit.