Hello BP,I am dealing with an issue with my POA management company and am wondering best way to deal with it.My unit (located in GA) had a cracked window in my rental property that I guess is a common occurrence at the community due to foundation settling.

@Jon Holdman and @Daniel DietzThere are 2 types a DSCR a commercial lender will look at.A DSCR on the property your looking to acquire, in the current economy 1.20:1 is typical, but this will change based upon loan size and economy. 1:1 was actually common pre crash.And what is called a Global DSCR, which includes, all forms of income, and all forms of debt, personally and corporate (if you have corps).1.20:1 is what my banks wants me to show for both.I actually have the exact spreadsheets he uses.

These are the projected numbers, vacancy was less, mx/repairs more.Purch: 125,000Cash to close 30,000GSI 21,600Vacancy 4% (so far zero)GOI 20,700Tax -4,100 (actual)Water/Trash -1000(actual)Common Electric -150Mx/repairs 7%- 1500 (needs to be more like 10%)Insurance -600 (actual)NO 13,350prin/int -6,100Pre tax annual return 7,250 I self manage, I do all the maintenance myself.  

(Not the #1 avenue I'd recommend but it's out there.)30-year conventional mortgage should be on the top of the list -- it's the most common I bet, along with cash.

Depending on what actually happened, I believe its common to have the tenant pay the deductible if your insurance is involved.

Can't explain why it was slow in the summer and early fall, but it is pretty common for a slow down as you get into winter.

It was very common as I was growing up to see a picture of JFK in most of our friends and families homes.

It is common for many associations to insure all the property and structures along with the common areas.

We have lots of old houses here (back as far as the late 1700s) and using unmilled piers (literally tree trunks) in basements was very common in houses prior to the 1930s.

is that common?