Do yourself a favor and go with an 80% efficiency furnace.

A bad lease can make getting a loan on the property tougher for an end buyer that is a coupon clipper for a NNN lease.Tenants love to throw in crap like blocked rent ( goes up every 3 to 5 years 6 or 10% at a time versus each year), early termination rights in the primary lease period, below market rent bumps, sales drop clauses, off load NN for roof and structure versus true NNN, defining option period with terms that are favorable to them, weak guarantee on the lease or parent corporation drop off after a few years,etc. 

For example, there may be some local programs in Akron that might help first timers (like buying a duplex and living in one of the units may qualify you for a favorable loan program). 

The other major thing to distinguish various towns' programs is their respective appreciation rules - while Boston's 5% per year is very generous and allows folks to build wealth quickly, other towns favor keeping the costs lower indefinitely, and will dictate a TBD cost of living adjustment when you sell.

A lot of this area is trading sub 40k and right at 40k so this falls into and asset class that BP in general is not in favor of. - Mainly in terms of out of towners.  

Do you find that school year is a big favor even when you are outside of the "college" market?

Also, their literature always has comps on them, and while I'm sure they pick ones that are favorable to them, they're pretty accurate.

But if you don't qualify, you may still be able to get a commercial loan, the terms and cash flow just won't be as favorable.2.  

@Quincy Knighten,I'm in the same boat as you (full-time job, married, father) and I just want to say, you are doing yourself a huge favor by participating on this site.  

The impound account to be transferred: charged, or without charge, to Optionee.9.4 Take title subject to, or Assume, an existing second trust deed note held by _______________________,with an unpaid principal balance of $_______________, payable $_______________ monthly,including interest not exceeding ______%, ARM, type _____________________________,due _____________, 20______.9.5 A note for the balance of the purchase price in the amount of $_______________ to be executed byOptionee in favor of Optionor and secured by a trust deed on the property junior to the above referencedfinancing, payable $_______________ monthly, or more, beginning one month after closing, includinginterest at ______% per annum from closing, due ____________ years after closing.a.