I also don't ever count for appreciation or income increase for our area.

I converted the 15 year note to a 30, took 75k on a refi, and my cash flow increased allowing me to get into my first duplex.

I converted the 15 year note to a 30, took 75k on a refi, and my cash flow increased allowing How did you find this deal and how did you negotiate it?

I noticed when running the rental calculator that the Cash on Cash return increases in out years if the analysis calls for rent increases and property appreciation. 

It's because there is the potential for a huge amount of growth for a little bit of money, granted increased risk. 

They charged 5k per person to increase one’s credit limits and help them access business credit lines. 

Other then that the property is located in the Clear Creek Independent School District -an independent school zone with super excellent ratings which I believe increases the tax bill.As for sale price -  I know for sure that a similar renovated unit has been sold in the complex for $120 just a couple of weeks ago. 

That doesnt increase because of leverage.

I have the same ones for each state so 1 for OH, 1 for FL, etc.4.Keep piling cash up so that I have reserves and as a backstop should/when the economy tanks.5.Focus on developing a side gig/business in 2019 to increase my income snowball.6.Research ways in which I can re capture my down payments and closing costs which total $170,000. 7.Go out hunting again in 2020 but keep analyzing deals between now and then and if a REAL good opportunity comes up.

Hello BP,Purchased a home that had a few indoor pets (2 dogs and 1 cat) with an increasing amount of people being allergic to pet dander I have my concerns.Although I'm going to remove all flooring and lay laminate throughout the entire house.